Do I have to be a first-time buyer for Missouri First Place?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is Per county.

What credit score does Missouri First Place list?

The listed minimum credit score is 640.

Missouri First Place

Missouri First Place is a forgivable 2nd, 10-yr forgive from Missouri Housing Development Commission. Available statewide in Missouri. For first-time buyers. Income limit: Per county.

Amount varies by program

Listed as open as of May 2026

Available statewide in Missouri.

First-time buyer	Required
Income limit	Per county
Minimum credit score	640
Maximum DTI	45%
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Statewide MO
Property types	SFR primary
Occupancy	Owner-occupied primary
Eligible loan products	FHA/VA/USDA/Conv
Sales price cap	Per county
Repayment	Forgiven 10 yrs (pro-rata after yr 5)
Forgivable	Per program structure
Stacking	MHDC standalone

Source Missouri Housing Development Commission·official program page·Listed May 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: Missouri Housing Development Commission · program details at the provider’s site.

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