1st HOME - Downpayment Loan Program

Jefferson County

The Jefferson County 1st HOME program is an effort by the County to provide zero-interest down payment loans to income-eligible homebuyers in Jefferson County. Under this initiative, Jefferson 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, forgivable after 5 years and will be originated and sold to Jefferson County by approved not-for-profit housing counseling agencies. Jefferson 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.


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 Lender/Counseling Agencies

Better Family Life
5415 Page
St. Louis, MO 63112
(314) 367-1843 
Beyond Housing/NHS
4156 Manchester
St. Louis, MO 63110
(314) 533-0600
 Lemay Housing Partnership

336 E. Ripa Ave

St. Louis, MO 63125

(314) 631-9905

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
  • Recapture Policy pdf | doc
  • Request for Notice of Sale
       Under Deed of Trust
       (Mortgage) pdf | doc
  • Reservation Form
           pdf doc

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