Your real Missouri affordability, the MHDC First Place Cash Assistance Loan (CAL) match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Missouri number — free →The MHDC First Place Cash Assistance Loan (CAL) is Missouri's flagship statewide down payment assistance, administered by the state housing finance agency (forgivable second (4%)). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in Missouri often add their own programs on top.
Official Missouri program page →Missouri's main statewide option is the MHDC First Place Cash Assistance Loan (CAL) — forgivable second (4%) administered by the state housing finance agency. Many cities and counties in Missouri add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Missouri assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official MHDC First Place Cash Assistance Loan (CAL) page before applying.