St. Louis County Down Payment Assistance Programs
1 local down payment assistance program for homebuyers in St. Louis County, checked against the official page.
St. Louis County down payment assistance at a glance (2026)
| Program | Amount | Type | First-time buyer | Income limit | Price limit | Status |
|---|
| St. Louis County Down Payment Assistance | Up to $7,000 | Forgivable loan | Required | Sliding scale effective June 1, 2026: full amount at or below $56,750 for a household of 4 (90% tier up to $90,800) | $219,000 existing / $371,000 new construction | Offered |
|---|
Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.
Local programs
Beyond Housing (1st HOME program)
- Amount
- Up to $7,000
- First-time buyer
- Required
- Status
- Offered
- Income limit
- Sliding scale effective June 1, 2026: full amount at or below $56,750 for a household of 4 (90% tier up to $90,800)
- Purchase price limit
- $219,000 existing / $371,000 new construction
Zero percent interest, 5-year forgivable loan with no monthly payments. Requires a fixed-rate mortgage, a completed HUD-certified homebuyer education course plus one-on-one counseling, an inspection, no flood plain, and closing at least 30 days after you apply. Beyond Housing reports more than $16 million in assistance and 2,250+ DPA loans since 2004. Phone 314-376-5822.
Last checked Nov 3, 2026 · Official source (opens in new tab) ↗
Other local programs in Missouri
Statewide help in Missouri
You may also qualify for 2 statewide Missouri programs. Local and state assistance can sometimes be layered; confirm with each administrator.
Check eligibility for Missouri How to apply
Compare these programs · AMI / income limits · All Missouri programs
HUD-approved homebuyer counselors in Missouri (17)
Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.
Common questions
Does St. Louis County offer down payment assistance?
Yes. We list 1 local program checked against official pages: St. Louis County Down Payment Assistance from Beyond Housing (1st HOME program) (Up to $7,000).
Do I have to be a first-time homebuyer for St. Louis County assistance?
The official pages state: St. Louis County Down Payment Assistance: Required.
What are the income limits for St. Louis County down payment assistance?
Published on the official pages: St. Louis County Down Payment Assistance: Sliding scale effective June 1, 2026: full amount at or below $56,750 for a household of 4 (90% tier up to $90,800). Confirm current limits with the administrator.
What are the purchase price limits for St. Louis County assistance?
Published on the official pages: St. Louis County Down Payment Assistance: $219,000 existing / $371,000 new construction.
How does St. Louis County Down Payment Assistance work?
Zero percent interest, 5-year forgivable loan with no monthly payments. Requires a fixed-rate mortgage, a completed HUD-certified homebuyer education course plus one-on-one counseling, an inspection, no flood plain, and closing at least 30 days after you apply. Beyond Housing reports more than $16 million in assistance and 2,250+ DPA loans since 2004. Phone 314-376-5822.
Can I combine St. Louis County assistance with statewide Missouri programs?
Sometimes. Missouri also has 2 statewide programs listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.
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