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.

For additional questions please contact Katrina Sommer, Housing Programs Manager @ (314)615-2983 or ksommer@stlouisco.com.


Loan Amount


Income Limits

FY 2014 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
5415 Page
St. Louis, MO 63112
(314) 367-1843 
Beyond Housing/NHS
4156 Manchester
St. Louis, MO 63110
(314) 533-0600
2709 Woodson Rd.
St. Louis, MO 63114

Lemay Housing Partnership

336 E. Ripa Ave

St. Louis, MO 63125

(314) 631-9905

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

Associated Links

U.S. Dept. of Housing & Urban Development

Part 5 Income Calculator
(for use with Homebuyer Checklist)

Manual and Lender's Forms

  • Manual pdf
  • Borrower's Intake pdf | doc
  •       Borrower's Note pdf | doc
  • Closing Certification pdf | doc
  • Deed of Trust pdf doc
  • Homebuyer Checklist pdf |doc
  • Homebuyer Form pdf | doc
  •  Inspection Procedures  pdf | doc
  • Program Summary pdf | doc
  • Recapture Policy pdf | doc
  • Request for Notice of Sale
       Under Deed of Trust
       (Mortgage) pdf | doc
  • Subordination Policy pdf | doc
  • Subordination Worksheet
       pdf | doc    

URA Property Owner Statement

URA Property Rep Statement





It is the policy of St. Louis County to provide services without regard to race, color, religion, national origin, ancestry, age, sex, familial status, physical handicap or disability.

Contact Information
Office of Community Development
41 S. Central, 5th Floor
Clayton, MO 63105
Phone: (314) 615-4405
Fax: (314) 615-8674
TTY: (314) 615-5889