See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 20, 2026
Homebuyer Programs in Lee's Summit, MO (2026)
Lee's Summit is a fast-growing suburb in Jackson County on the southeast edge of the Kansas City metro, with a median home value of roughly $365,000. Local buyers can combine the City of Lee's Summit First-Time Homebuyer Program, which offers up to $3,000 in down payment and closing cost assistance, with Missouri Housing Development Commission programs that provide up to 4% of the loan amount through the Cash Assistance Loan via the MHDC First Place and Next Step programs. Nonprofit partners in the Kansas City metro — including Habitat for Humanity Kansas City's $10,000 down payment grant and Truman Heritage Habitat for Humanity's affordable homeownership program — also serve Lee's Summit residents. The Housing Authority of Kansas City (HAKC) administers a Section 8 Homeownership option for qualifying voucher holders in Jackson County. Stacking the city's $3,000 grant with MHDC's 4% assistance and a Habitat KC grant can put tens of thousands of dollars toward a Lee's Summit purchase.
City Programs in Lee's Summit
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| HAKC Section 8 Homeownership Program | Grant | Converts an existing 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 HAKC's voucher payment standard and the household's income. | Yes | View → |
| Lee's Summit First-Time Homebuyer Program | Grant | Up to $3,000 grant for down payment and/or closing cost assistance. | Yes | View → |
- Type:
- Grant
- Amount:
- Converts an existing 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 HAKC's voucher payment standard and the household's income.
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $3,000 grant for down payment and/or closing cost assistance.
- First-time only:
- Yes
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 → |
- 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
- 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 → |
- 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:
- 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
Step 1: Confirm eligibility. Most programs serving Lee's Summit require household income at or below 80% of Area Median Income for the Kansas City MSA and require the buyer to have not owned a home in the past 3 years. MHDC Next Step has higher income limits — around $96,000 for a 1-2 person household in Jackson County.
Step 2: Complete a homebuyer education course. Work with a HUD-approved counseling agency such as CHES Inc. in Kansas City. Education is mandatory for MHDC programs and for most nonprofit DPA grants.
Step 3: Get pre-approved with an MHDC-participating lender. The state's First Place and Next Step loans are originated through a network of approved lenders. Ask the lender to quote you the Cash Assistance Loan option for up to 4% of the loan amount.
Step 4: Apply for the Lee's Summit First-Time Homebuyer Program. Contact the City of Lee's Summit Development Services Department at 816-969-1200 to request the current application packet. Submit a notarized first-time homebuyer certification, income documentation, a lender pre-approval letter, and proof of address.
Step 5: Apply for a Habitat KC DPA grant if eligible. Contact Habitat for Humanity Kansas City to confirm funding availability and submit required documentation showing the property is under contract in Jackson County.
Step 6: Find a home within Lee's Summit city limits. The city grant requires the property to be inside Lee's Summit; MHDC programs apply statewide but have purchase price limits — confirm your target price is within program guidelines.
Step 7: Close on the home. Coordinate grant and DPA funds with your lender and title company so the assistance is applied at closing. Budget roughly $7,500-$11,000 for typical closing costs on a median-priced Lee's Summit home.
Frequently Asked Questions
How much down payment assistance can I get in Lee's Summit?+−
Do I have to be a first-time homebuyer?+−
What is the maximum home price?+−
What homebuyer education is required?+−
Can I use a Section 8 voucher to buy a home in Lee's Summit?+−
Are there programs for buyers who are not first-time homebuyers?+−
Free eligibility check
Buying a home in Lee's Summit? 13 programs could help.
How soon are you looking to buy?