Do I have to be a first-time buyer for Missouri Next Step?

No. The program does not require first-time buyer status.

Is there an income limit?

Yes. The listed income limit is Higher than First Place.

What credit score does Missouri Next Step list?

The listed minimum credit score is 640.

Missouri Next Step

Missouri Next Step is a forgivable 2nd 10-yr from MHDC. Available statewide in Missouri. First-time buyer status is not required. Income limit: Higher than First Place.

Amount varies by program

Listed as open as of May 2026

Available statewide in Missouri.

First-time buyer	Not required
Income limit	Higher than First Place
Minimum credit score	640
Maximum DTI	45%
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Statewide MO
Property types	SFR
Occupancy	Owner-occupied primary
Eligible loan products	FHA/VA/USDA/Conv
Sales price cap	Per county
Repayment	Forgiven 10 yrs
Forgivable	Per program structure
Stacking	Standalone

Source MHDC·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: MHDC · program details at the provider’s site.

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