City of Springfield – Planning & Development / Community Development

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Down Payment Assistance Program – City of Springfield, Missouri

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City of Springfield – Planning & Development / Community DevelopmentMOFirst-Time HomeownerZero percent interest 10 year deferred second mortgage for down payment and closing costs funded with HUD resources

Updated: Dec 6, 2025

The City of Springfield Down Payment Assistance Program provides no-interest second-mortgage funds to help first-time homebuyers cover upfront down payment and closing costs. Targeted to income-eligible households, the program leverages HUD funding to make homeownership more accessible within Springfield city limits.

Eligible for: First-time homebuyers purchasing an owner-occupied home within Springfield city limits, with household income at or below roughly 80% of the…

Funding: Offers a zero percent interest deferred loan typically up to about 9000 dollars to help first-time buyers or displaced persons cover down payment and eligible closing costs, with repayment due when the home is sold, refinanced, transferred, or no longer owner occupied under current guidelines.Deadline: Rolling / subject to funding availabilityRollingLocalhomebuyerfirst-time homebuyerdisplaced personlow- to moderate-income homebuyerdown payment assistanceclosing cost assistance

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