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:

We’re ready to help!

Our team will help walk you through everything you need to qualify.

Fill out this form to get started.

  • (Have you made an offer that has been accepted)

Program Information

Downpayment and closing cost assistance is currently available in:

$5,000

Jefferson County

$5,000

City of Florissant

$6,000

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.

MAXIMUM HOUSEHOLD GROSS INCOME LIMITS

Household Size

1

2

3

4

5

6

7

8

Household Income Limit

$56,320

$64,320

$72,400

$80,400

$86,880

$93,280

$99,760

$106,160

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 homeowner, except in St. Charles County.
  • Must complete the Homebuyer Education Program and one-on-one counseling, resulting in a “Homeownership Ready” status.
  • 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. 
  • Must have secured a fixed-rate mortgage on the purchased home.
  • Home must pass first-time homebuyer inspection.
See the FAQs below for questions and more information.

HOW DO I QUALIFY?

To get started with a Downpayment and Closing Cost Assistance loan application, please email a copy of your fully executed sales contract to bhlending@beyondhousing.org. A member of the lending team will reply with next steps. 

Additionally, please… 

A representative from our lending department will determine whether or not you qualify for assistance. 

WHO IS CONSIDERED A FIRST-TIME HOMEBUYER?

A first-time homebuyer is someone who has not owned a hom e in the past three years or has lost a home due to divorce.

Most, but not all programs and jurisdictions, have this requirement. St. Charles County does NOT have this restriction, with the exception of the City of O’Fallon where the first-time homebuyer restriction does apply.

Note: Married individuals that are legally separated must provide a legal separation agreement. In the absence of such an agreement, both spouses must qualify as a first-time homebuyer.

CAN I USE DOWN PAYMENT 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 email Chelsea at cjohnson@beyondhousing.org, 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 Jacqueline Curlee jcurlee@beyondhousing.org or visit our Lender and Realtor page

BH Horiz Logo

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.

Last year alone, we awarded nearly $1,000,000 in down payment assistance to people just like you.