See programs you qualify for

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

Homebuyer Programs in Wentzville, MO (2026)

Population: 48,646 | Median home price: $390,000 | Est. closing costs: $8,000 - $11,500

Wentzville is one of the fastest-growing cities in Missouri, sitting in far western St. Charles County with a median home price near $390,000. First-time buyers here have access to a rare stacking opportunity: the City of Wentzville offers its own Down Payment Assistance Program of up to $10,000 as a zero-interest second mortgage, and buyers can add the St. Charles County HOME Down Payment Loan Program of up to $10,000 zero-interest forgivable loan, plus up to 4% of the first mortgage from the Missouri Housing Development Commission First Place or Next Step programs. Habitat for Humanity of St. Charles County is also actively building in Wentzville — their 46-home Haven Pointe subdivision is the largest Habitat development in the county. Combined, these programs can bring more than $20,000 in down payment and closing cost assistance to eligible Wentzville buyers.

City Programs in Wentzville

Program Name	Type	Amount	First-Time Only	Details
City of Wentzville Down Payment Assistance Program	Zero-Interest Loan	Up to $10,000 zero-interest loan recorded as a second mortgage for down payment and/or closing cost assistance.	Yes	View →

City of Wentzville Down Payment Assistance Program

Type:: Zero-Interest Loan
Amount:: Up to $10,000 zero-interest loan recorded as a second mortgage for down payment and/or closing cost assistance.
First-time only:: Yes

County Programs in St. Charles County

Program Name	Type	Amount	First-Time Only	Details
St. Charles County HOME Down Payment Loan Program	Forgivable Loan	Up to $10,000 as a zero-interest forgivable second-mortgage loan for down payment and eligible closing costs.	No	View →

St. Charles County HOME Down Payment Loan Program

Type:: Forgivable Loan
Amount:: Up to $10,000 as a zero-interest forgivable second-mortgage loan for down payment and eligible closing costs.
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
Beyond Housing Down Payment Assistance	Forgivable Loan	Up to $10,000	No	View →
Habitat for Humanity St. Charles County Homeownership Program	Zero-Interest Loan	Affordable Habitat-built or rehabilitated home sold with a 0% interest mortgage; monthly payment sized to be affordable to the family's income.	No	View →

Beyond Housing Down Payment Assistance

Type:: Forgivable Loan
Amount:: Up to $10,000
First-time only:: No

Habitat for Humanity St. Charles County Homeownership Program

Type:: Zero-Interest Loan
Amount:: Affordable Habitat-built or rehabilitated home sold with a 0% interest mortgage; monthly payment sized to be affordable to the family's income.
First-time only:: No

Free eligibility check

13 programs available in Wentzville. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. Most Wentzville-area programs require first-time homebuyer status (no ownership in the past three years) and a household income at or below roughly 80% of the St. Louis MSA Area Median Income. Habitat for Humanity has its own need-based income guidelines.

Step 2: Complete homebuyer education. Register for a HUD-approved homebuyer education course with Beyond Housing, CAASTLC, or The Housing Partnership and complete one-on-one housing counseling to reach Homeownership Ready status. Most programs require this at least 10 days before closing.

Step 3: Apply for the City of Wentzville Down Payment Assistance Program. Contact the Wentzville Community Development Department to request the current application flyer and the list of approved housing counseling agencies. The city program provides up to $10,000 as a zero-interest second mortgage.

Step 4: Apply for the St. Charles County HOME Down Payment Loan Program. Call Kathleen Thompson at (636) 949-3214 or email CDBG@stcharlescitymo.gov to start the application. This provides up to $10,000 as a zero-interest forgivable loan, fully forgiven after five years of owner-occupancy.

Step 5: Choose a participating MHDC lender and get pre-approved for a First Place or Next Step loan. MHDC programs provide a below-market interest rate first mortgage plus up to 4% of the loan amount in Cash Assistance.

Step 6: If you need deeper assistance, consider Habitat for Humanity of St. Charles County. Call (636) 978-5712 to inquire about the Haven Pointe development or future Wentzville projects. Habitat buyers commit to 300-450 hours of sweat equity and purchase a zero-interest Habitat mortgage with affordable monthly payments.

Step 7: Submit your full application package to your lender and counseling agency at least 30 days before closing. Forgivable and zero-interest loans are recorded as subordinate liens and must remain in place through the agreed residency period.

Frequently Asked Questions

How much down payment assistance can I get in Wentzville?+

A qualified first-time buyer in Wentzville can stack up to $10,000 from the City of Wentzville DPA (zero-interest second mortgage), up to $10,000 from the St. Charles County HOME Down Payment Loan (zero-interest forgivable after 5 years), and up to 4% of the first mortgage from the MHDC First Place or Next Step Cash Assistance Loan. Combined assistance can exceed $20,000 plus state Cash Assistance — enough to close with little or no cash out of pocket at Wentzville price points.

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

Most Wentzville-area programs — including the City of Wentzville DPA, St. Charles County HOME loan, and MHDC First Place — require first-time buyer status (no ownership in the past three years). The MHDC Next Step program does not require first-time buyer status and is available to repeat buyers.

What is the maximum home price for the Wentzville DPA?+

The City of Wentzville DPA and the St. Charles County HOME loan follow HUD HOME purchase price limits for the St. Louis MSA, which are adjusted annually and typically fall above Wentzville's median home price of roughly $390,000. Most homes in the city qualify, but verify the current limit with the Wentzville Community Development Department or an approved counseling agency before making an offer.

Is Habitat for Humanity really building new homes in Wentzville?+

Yes. Habitat for Humanity of St. Charles County broke ground on Haven Pointe, a 46-home, $8 million residential neighborhood in Wentzville, in 2024. Homes feature a two-car garage, full basement, and covered porch. Selected families commit to 300-450 hours of sweat equity and purchase their home with a 0% interest Habitat mortgage with monthly payments typically in the $800-$1,000 range.

Is the City of Wentzville DPA forgiven over time or does it have to be repaid?+

Sources vary on the exact terms. The City of Wentzville has described the program as a zero-interest second mortgage that must be repaid upon sale of the property, while other summaries describe it as forgivable over a residency period. Confirm the current forgiveness terms directly with the Wentzville Community Development Department or your approved housing counseling agency before you sign.

What homebuyer education is required?+

Nearly every Wentzville-area DPA program requires a HUD-approved homebuyer education course and one-on-one counseling. Beyond Housing, CAASTLC, and The Housing Partnership are all HUD-approved counseling agencies serving the St. Charles County market. Plan to complete counseling and reach Homeownership Ready status at least 10 days before closing.