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 | 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 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.
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.
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.
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.
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.
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.
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.