St. Louis County Department of Human Services – Community Development
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St. Louis County Department of Human Services – Community DevelopmentMOFirst-Time Homeowner0 percent interest deferred down payment and closing cost assistance loan funded with HOME program dollars
Updated: Dec 6, 2025
St. Louis County’s 1st HOME Down Payment Loan provides a zero-interest second mortgage to help first-time buyers cover down payment and closing costs. The program uses federal HOME funds to boost affordability for households that can qualify for a primary mortgage but lack enough cash to close.
Eligible for: Income-eligible first-time homebuyers purchasing an owner-occupied home in St. Louis County (and designated participating areas), who meet H…
Funding: Provides a zero interest deferred second mortgage typically up to about 10000 dollars to assist with down payment and allowable closing costs, repaid when the home is sold, refinanced, or no longer owner occupied under current program rules.Deadline: Rolling / subject to funding availabilityRollingCountywidehomebuyerfirst-time homebuyerlow- to moderate-income homebuyerdown payment assistanceclosing cost assistance