See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 20, 2026
Homebuyer Programs in Blue Springs, MO (2026)
Blue Springs is a growing eastern suburb of Kansas City located in Jackson County, Missouri, with a population of roughly 60,000 residents. The median home price here is around $289,000, which puts a standard 3.5% FHA down payment near $10,100 — out of reach for many first-time buyers without assistance. The City of Blue Springs runs its own First Time Homebuyer (FTHB) Program that provides up to $3,000 in down payment and closing cost assistance to buyers at or below 80% of the area median income, and qualified buyers can stack that with Missouri Housing Development Commission (MHDC) First Place and Next Step programs, which offer up to 4% of the loan amount as a forgivable second mortgage. Additional help comes from Truman Heritage Habitat for Humanity, which serves Blue Springs and eastern Jackson County, and Habitat KC's $10,000 Down Payment Assistance Grant for buyers under contract anywhere in Jackson County. Combining a Blue Springs grant, an MHDC Cash Assistance Loan, and a federal FHA, VA, or Conventional 97 loan can bring buyers to the closing table with minimal out-of-pocket cash.
City Programs in Blue Springs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Blue Springs First Time Homebuyer Program | Grant | Up to $3,000 total. Down payment assistance covers 50% of the required down payment up to $3,000, and/or closing cost assistance covers reasonable closing costs normally associated with the home purchase, with combined total assistance capped at $3,000. | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $3,000 total. Down payment assistance covers 50% of the required down payment up to $3,000, and/or closing cost assistance covers reasonable closing costs normally associated with the home purchase, with combined total assistance capped at $3,000.
- First-time only:
- Yes
County Programs in Jackson County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| HAJC Homeownership Voucher Program | Grant | Converts the participant's Housing Choice Voucher (HCV) rental subsidy into a monthly homeownership subsidy that helps pay the borrower's mortgage and housing expenses. The dollar amount is based on HAJC's voucher payment standard and the household's income. | No | View → |
- Type:
- Grant
- Amount:
- Converts the participant's Housing Choice Voucher (HCV) rental subsidy into a monthly homeownership subsidy that helps pay the borrower's mortgage and housing expenses. The dollar amount is based on HAJC's voucher payment standard and the household's income.
- First-time only:
- No
State Programs in Missouri
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| MHDC First Place Loan Program | Forgivable Loan | Up to 4% of the loan amount via the Cash Assistance Loan (CAL) for down payment and closing costs, paired with a below-market fixed-rate first mortgage (Conventional, FHA, VA, or USDA). | Yes | View → |
| MHDC Next Step Loan Program | Forgivable Loan | Up to 4% of the loan amount via the Cash Assistance Loan (CAL) for down payment and closing costs, paired with a fixed-rate first mortgage (Conventional, FHA, VA, or USDA). | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to 4% of the loan amount via the Cash Assistance Loan (CAL) for down payment and closing costs, paired with a below-market fixed-rate first mortgage (Conventional, FHA, VA, or USDA).
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to 4% of the loan amount via the Cash Assistance Loan (CAL) for down payment and closing costs, paired with a fixed-rate first mortgage (Conventional, FHA, VA, or USDA).
- First-time only:
- No
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat KC Down Payment Assistance Grant | Grant | Up to $10,000 toward down payment. | Yes | View → |
| Truman Heritage Habitat for Humanity Homebuyer Program | Zero-Interest Loan | Affordable Habitat-built home sold with a 0% interest mortgage; monthly payment capped at roughly 30% of household income | No | View → |
- Type:
- Grant
- Amount:
- Up to $10,000 toward down payment.
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Affordable Habitat-built home sold with a 0% interest mortgage; monthly payment capped at roughly 30% of household income
- First-time only:
- No
How to Apply
Confirm your eligibility. The Blue Springs FTHB Program requires household income at or below 80% of the Kansas City area median income and treats first-time buyers as anyone who has not owned a home in the past three years. Single parents and displaced homemakers also qualify.
Complete a HUD-approved homebuyer education course. Community Services League, a HUD-approved housing counseling agency serving the Kansas City metro, offers these courses. Contact them at 816-254-4100 to register.
Get pre-approved with a participating lender. Contact the City of Blue Springs Community Development Department at 816-622-4050 for the current list of participating lenders, and ask your lender about pairing the Blue Springs FTHB grant with an MHDC First Place or Next Step loan for an additional 4% in assistance.
Contact the City of Blue Springs Community Development Department. Reach out to Shantele Frie, Associate Planner, at 816-622-4050 or sfrie@bluespringsgov.com to request a Blue Springs FTHB application and confirm current funding availability.
Find a home within the Blue Springs city limits. The FTHB Program only covers properties inside the city limits — your real estate agent can verify the property boundaries before you submit an offer.
Submit your application. Provide proof of income, first-time buyer status, a completed homebuyer education certificate, and the signed purchase agreement. Final approval and funding typically align with the closing date.