DPA / Assistance

Down payment assistance — educate, then verify on official sources

Assistance programs exist. Amounts, income limits, and rules change. This page will not invent dollar figures. Start with MHDC and local program administrators.

Missouri Housing Development Commission (MHDC) and various city/county/employer/nonprofit programs may help eligible buyers with down payment or closing-cost support. Eligibility is program-specific.

How to use this education

Read program overviews on official MHDC and local government/housing sites
Ask a lender which programs they participate in — not every lender offers every product
Confirm income limits, purchase-price caps, first-time definitions, and repayment/forgiveness rules
Do not write an offer assuming assistance until a lender confirms your file

Direct: Blog posts and social ads lag real program changes. If a number is not on an official page or your lender’s written estimate, treat it as rumor.

Next: MHDC & official sources and local DPA resources. MoJo can coordinate timelines once funding is real.

Roles stay clear

MoJo = real estate (KS/MO)

Search, showings, negotiations, inspections, and closing coordination. MoJo is not a lender and does not set rates, approve loans, or run DPA programs.

Lenders = loan review (shop them)

Compare Loan Estimates. Ashley Jones (NMLS 1739681), First State Bank Mortgage, is an optional preferred review partner — not required. No promised rates.

Down payment assistance — educate, then verify on official sources

How to use this education

Roles stay clear

MoJo = real estate (KS/MO)

Lenders = loan review (shop them)

Related reading

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