Missouri down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in Missouri, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| MHDC First Place — Cash Assistance | Current MHDC cash-assistance option; amount per current 2026 operations manual/rate sheet | program specific | Forgivable DPA second under current MHDC First Place rules | Assistance pricing uses a higher first-mortgage rate than non-DPA execution; verify current amount and forgiveness schedule in live operations manual. |
| MHDC Next Step — Cash Assistance | Current MHDC cash-assistance option; amount per current 2026 operations manual/rate sheet | program specific | Forgivable DPA second under current MHDC Next Step rules | Higher income limits than First Place; DPA and non-DPA rate executions differ. |
MHDC First Place — Cash Assistance
MHDC First Place — Cash Assistance is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
MHDC Next Step — Cash Assistance
MHDC Next Step — Cash Assistance is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
National programs Missouri buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
Missouri's biggest DPA lesson
MHDC confirms exactly two current state homebuyer program families—First Place and Next Step—and both offer cash-assistance executions. V25 avoids stale percentage/forgiveness figures where the live 2026 operations manual/rate sheet should control.
Let Josh compare the available programs.
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