See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 20, 2026

Homebuyer Programs in Blue Springs, MO (2026)

Population: 59,965 | Median home price: $289,000 | Est. closing costs: $6,000 - $8,500

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 →

Blue Springs First Time Homebuyer Program

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 →

HAJC Homeownership Voucher Program

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	4% of the total first mortgage amount as a 0% interest, 100% forgivable second loan (Cash Assistance Loan) for down payment and closing costs, paired with a below-market 30-year fixed-rate first mortgage (FHA, VA, USDA-RD, Fannie Mae HFA Preferred or Freddie Mac HFA Advantage). Buyers who skip the assistance typically get a rate 0.25%-0.50% lower.	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 →

MHDC First Place Loan Program

Type:: Forgivable Loan
Amount:: 4% of the total first mortgage amount as a 0% interest, 100% forgivable second loan (Cash Assistance Loan) for down payment and closing costs, paired with a below-market 30-year fixed-rate first mortgage (FHA, VA, USDA-RD, Fannie Mae HFA Preferred or Freddie Mac HFA Advantage). Buyers who skip the assistance typically get a rate 0.25%-0.50% lower.
First-time only:: Yes

MHDC Next Step Loan Program

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 →
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 →

FHA Loans

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

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

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

HomeReady Mortgage (Fannie Mae)

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

HUD $100 Down Program

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

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

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 →

Habitat KC Down Payment Assistance Grant

Type:: Grant
Amount:: Up to $10,000 toward down payment.
First-time only:: Yes

Truman Heritage Habitat for Humanity Homebuyer Program

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

Free eligibility check

13 programs available in Blue Springs. See which ones you qualify for.

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How to Apply

Step 1: 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.

Step 2: 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.

Step 3: 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.

Step 4: 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.

Step 5: 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.

Step 6: 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.

Frequently Asked Questions

How much down payment assistance can I get in Blue Springs, MO?+

A qualified first-time buyer in Blue Springs can stack multiple programs. The Blue Springs First Time Homebuyer (FTHB) Program provides up to $3,000 in combined down payment and closing cost assistance. Missouri Housing Development Commission (MHDC) First Place or Next Step adds a Cash Assistance Loan of up to 4% of the loan amount — on a $289,000 home with a $280,000 loan, that is another $11,200. Habitat KC offers a separate $10,000 Down Payment Assistance Grant for buyers under contract in Jackson County who have not owned a home in the past three years. Stacked together, a qualifying buyer can access more than $24,000 in combined assistance.

Do I have to be a first-time homebuyer?+

The Blue Springs FTHB Program and Habitat KC DPA Grant both require that you have not owned a home in the past three years, with exceptions for single parents and displaced homemakers under the Blue Springs program. The MHDC Next Step Loan, however, is open to both first-time and repeat homebuyers. So if you have owned a home recently, Next Step plus federal loan programs like FHA, VA, or USDA may still be available to you.

What is the maximum home price for these programs?+

The Blue Springs FTHB Program does not publish a hard purchase price cap, but the $3,000 assistance amount works best on lower-priced properties. MHDC First Place and Next Step follow the MHDC purchase price limits, which in Jackson County are set annually and typically exceed the median home price — confirm current limits with a participating lender. Habitat KC's $10,000 grant applies to Jackson County properties without a stated price ceiling, though income limits effectively cap eligibility.

What homebuyer education is required?+

The Blue Springs FTHB Program requires a HUD-approved homebuyer education course. Community Services League, based in the Kansas City metro, is a HUD-approved housing counseling agency that offers these courses — contact them at 816-254-4100. MHDC First Place and Next Step also require homebuyer education, which can usually be completed through the same course. Many participating lenders can direct you to approved online options as well.

Can I combine the Blue Springs grant with MHDC and FHA?+

Yes. The Blue Springs FTHB grant is designed to be paired with a first mortgage — most buyers use it alongside an FHA, VA, USDA, or Conventional loan. MHDC First Place or Next Step provides the first mortgage plus a 4% Cash Assistance Loan on top. Ask your lender to structure the financing so the MHDC CAL covers the bulk of the down payment and the Blue Springs grant covers closing costs, leaving you with minimal out-of-pocket cash at closing.