See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 20, 2026
Homebuyer Programs in Wentzville, MO (2026)
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 → |
- 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 → |
- 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 | 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 |
|---|---|---|---|---|
| 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 → |
- Type:
- Forgivable Loan
- Amount:
- Up to $10,000
- First-time only:
- No
- 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
How to Apply
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.
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.
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.
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.
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.
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.
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.