City of Columbia – Housing Programs Division

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Homeownership Assistance Program – City of Columbia, Missouri

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City of Columbia – Housing Programs DivisionMOFirst-Time HomeownerZero interest 10 year forgivable second mortgage for down payment and closing costs funded with federal HOME and CDBG dollars

Updated: Dec 6, 2025

Columbia’s Homeownership Assistance Program offers $10,000–$20,000 in zero-interest, forgivable loan assistance to help first-time buyers cover down payment and closing costs on a home within city limits. The program targets low- to moderate-income households and pairs HUD income limits, purchase price caps, and property inspections with required homebuyer counseling.

Eligible for: Low- to moderate-income first-time homebuyers (with some exceptions such as displaced homemakers) purchasing an eligible home within Columbi…

Funding: Provides a zero interest 10 year forgivable loan up to 10000 dollars or 10 percent of the purchase price, whichever is less, that can be used for down payment and allowable closing costs or to reduce the principal on the first mortgage. Prepaid items such as taxes and insurance are not eligible, and buyers must contribute at least 500 dollars of their own funds.Deadline: Rolling / subject to funding availabilityRollingLocalhomebuyerfirst-time homebuyerdisplaced homemakerlow- to moderate-income homebuyerdown payment assistanceclosing cost assistanceforgivable loan

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