Get Up To $10,000 In Down Payment and closing cost Assistance
We are the number one provider of down payment assistance in the greater St. Louis area and help hundreds of people become homeowners every year.
We are the number one provider of down payment assistance in the greater St. Louis area and help hundreds of people become homeowners every year.
Our Down Payment Assistance Program can help you achieve your goal of homeownership. Whether you have a closing date scheduled or are just starting to think about buying a home, we’re here to help.
DOWN PAYMENT AND CLOSING COST ASSISTANCE IS AVAILABLE IN:
- St. Louis County
- Jefferson County
- St. Charles County
- City of O'Fallon
- City of Florissant
Your first step is to join us for our FREE weekly orientation
We’re ready to help!
Our team will help walk you through everything you need to qualify.
Fill out this form to get started.
For questions or more information
Program Information
Downpayment and closing cost assistance is currently available in:
$7,000 | Jefferson County |
$8,000 | City of Florissant |
$7,000 | St. Louis County |
$10,000 | St. Charles County* |
$10,000 | City of O’Fallon |
Assistance provided is a zero percent interest and 5-year forgivable loan
These loans require no monthly payment
*Applicants are not required to be first-time homebuyers in St. Charles County, with the exception of the City of O’Fallon.
Beyond Housing does not offer downpayment assistance funds for the City of St. Louis.
This page continues to be updated with current information on available funding.
SLIDING SCALE INCOME REQUIREMENTS
The eligible amount of the DPA loan is based on a sliding scale income requirement as indicated in the chart below.
| Maximum household gross income based on persons in Family or Household | ||||||||
| DPA Eligible Amount | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| 100% | $36,150 | $41,300 | $46,450 | $51,600 | $55,750 | $59,900 | $64,000 | $68,150 |
| 95% | $43,380 | $49,560 | $55,740 | $61,920 | $66,900 | $71,880 | $76,800 | $81,780 |
| 90% | $57,800 | $66,050 | $74,300 | $82,550 | $89,200 | $95,800 | $102,400 | $109,000 |
MAXIMUM SALES PRICE LIMITS
Existing Home Limit | New Construction Home Limit | |
St. Louis County (including City of Florissant) | $200,000 | $275,000 |
St. Charles County (including City of O’Fallon) | $242,000 | $320,000 |
Jefferson County | $196,000 | $275,000 |
- Must be a first-time homebuyer with a fixed-rate mortgage – Defined as having not owned a home in the past three years or having lost a home due to divorce and have custody of children from the divorce (St. Charles County/O’Fallon do not require the client to be a first-time buyer)
- Must have ALREADY COMPLETED HUD-certified Homebuyer Education course & one-to-one Homeownership Counseling
- The home being purchased must pass a first-time homebuyer inspection & cannot be located in a flood plane
- Your closing is scheduled at least 30 days out from date of DPA application
- Must be at or below maximum gross household income limits including all household members’ income sources (child support, disability, retirement, etc.). See Maximum Household Income and Sales Price Limits above.
The first step to submitting a Down Payment Assistance application is attending our FREE weekly virtual orientation.
A representative from our lending department will determine whether or not you qualify for assistance.
CAN I USE DOWNPAYMENT AND CLOSING COST ASSISTANCE WITH OTHER SOURCES OF FINANCIAL ASSISTANCE?
Yes, our lending department can provide you with more detailed information.
ARE THERE CERTAIN LENDERS THAT I MUST WORK WITH?
We work with most lenders. Please contact us for more information.
Lenders interested in learning more or in our Downpayment and Closing Cost Assistance training session should visit our Lender and Realtor page.
Title companies are welcome to have certified title agents join our team. Agents must be trained in order to become a certified title agent with Beyond Housing. Please email bhlending@beyondhousing.org or visit our Lender and Realtor page
Beyond Housing is a nationally recognized community development organization that works to strengthen families and transform under-resourced communities to create a stronger, more equitable, and prosperous St. Louis region—once and for all.
We are the largest HUD-approved Housing Counseling Agency and number one provider of down payment assistance in the St. Louis metro area. We help hundreds of people become homeowners every year.
