See programs you qualify for
Get Matched Free →CMCA Homeownership Assistance (80/20 Shared-Equity Model)
Funding status: Active
How much assistance
Buyer purchases 80% of the home; CMCA retains a 20% soft-second lien, reducing the buyer's mortgage and down payment need
CMCA's 20% is a soft second (no required monthly payment; due at sale or refinance). Structured to keep the unit affordable for the original buyer and preserve community investment.
Eligibility
- Income limits: Low-income households within CMCA's 8-county service area (includes Boone County)
- First-time buyer required: No
- Geographic restrictions: Serves CMCA's 8-county Central Missouri service area, including Boone County and the City of Columbia.
- Homebuyer education required: Yes
How to Apply for CMCA Homeownership Assistance (80/20 Shared-Equity Model)
- Contact CMCA's Boone County Family Resource Center at 800 N Providence Road, Suite 104, Columbia, MO — phone 573-443-3500.
- Ask about current Housing Development inventory and the 80/20 shared-equity homeownership path.
- Enroll in CMCA's Financial Opportunity Center coaching to work on credit, income, and savings.
- Complete HUD-approved homebuyer education.
- Get pre-approved with a CMCA-compatible lender for the 80% portion.
- Close with CMCA holding the 20% soft-second lien; you own and occupy the home.
Free eligibility check
See every program you may qualify for
How soon are you looking to buy?
Question 1 of 6
housebuyerguides