Get Started!

It takes less than 30 seconds to move toward homeownership. And it is free. Let us help you.

St Louis County


1st HOME – Downpayment Loan

St. Louis County

The St. Louis County 1st HOME Downpayment Loan is an effort by the County to provide zero-interest down payment loans to income-eligible homebuyers in St. Louis County. Under this initiative, the County will purchase subordinated second mortgage loans which finance, in conjunction with the origination of the primary loans by the Mortgage Lender, the down payment and eligible closing costs associated with acquiring qualified owner-occupied residences.

The Second Mortgage Loans are at zero percent interest, due upon sale and will be originated and sold to the County by approved not-for-profit housing counseling agencies. The County will provide each housing counseling agency with a program manual that will provide detailed Program Procedures, and will coordinate a training and review session with participating agencies.

* IMPORTANT NOTE: From March 22, 2013 to April 22, 2013 the St. Louis County Office of Community Development will be moving locations, therefore any requested subordinations during this time might not be processed in a timely manner. Anticipated subordinations should be submitted by Friday March 15, 2013 to ensure timely processing.
For additional questions please contact Katrina Sommer, Housing Programs Manager @ (314)615-2983 or


Loan Amount

Income Limits

FY 2013 Income Limit Category

1 Person

2 Person

3 Person

4 Person

5 Person

6 Person

7 Person

8 Person

Low (80%) Income Limits









Participating Lenders

Better Family Life
5535 Delmar Suite 2100
St. Louis, MO 63112
(314) 367-1843

Beyond Housing/NHS
4156 Manchester
St. Louis, MO 63110
(314) 533-0600

Northeast Community
Action Committee
3400 Meadow Pointe Dr
O’Fallon, MO 63366
(314) 359-9849

2709 Woodson Rd.
St. Louis, MO 63114