1st Home - Down Payment Loan


General Overview

The St. Louis County 1st HOME Down Payment Loan is an effort by the County to provide zero-interest down payment loans to income-eligible first time home buyers 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.


To receive assistance, please contact Amy Ellis.  314-615-4592.


Loan Amount



Income Limits

FY 2018 Income Limit Category

1 Person

2 Person

3 Person

4 Person

5 Person

6 Person

7 Person

8 Person

Low (80%) Income Limits









Purchase Price Limits

   Existing Home
 Purchase Price Limit
 New Construction
 Purchase Price Limit
 St. Louis County   $149,000  $228,000
 St. Charles County  $169,000  $228,000
 Jefferson County  $148,000  $228,000


Participating Lenders

Better Family Life
5415 Page
St. Louis, MO 63112
(314) 367-1843
Beyond Housing/NHS
6506 Wright Way
Saint Louis, MO 63121
(314) 533-0600
Northeast Community Action Corporation
3400 Meadow Pointe Dr
O'Fallon, MO 63366
(800) 748-7636
The Housing Partnership
336 E. Ripa Avenue
St. Louis, MO 63125
(314) 631-9905
Community Action Agency of St. Louis County, Inc
2709 Woodson Road
Overland, MO 63114
(314) 863-0015

Helpful Information

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
  • Closing Certification  pdf | doc
  • Deed of Trust  doc
  • Homebuyer Checklist pdf 
  • Homebuyer Form pdf | doc
  • Homebuyer RFQ 2020 
  • pdf | doc
  • Inspection Procedures  pdf 
  • Recapture Policy pdf | doc
  • Request for Notice of Sale Under Deed of Trust (Mortgage) pdf | doc
  • Subordination Policy pdf 
  • Subordination Worksheet  doc 
  • Due Upon Sale Note  doc
  • Reservation Form 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 South Central Avenue (5th Floor)
Clayton, MO 63105
(314) 615-8232
Fax: (314) 615-8674
Relay Missouri 1-800-735-2966