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How much assistance
New construction and rehabbed 3-4 bedroom homes sold with a 30-year affordable mortgage. Homes purchased within St. Louis city limits may be eligible for up to $50,000 in down payment assistance. (Deferred Loan)
Mortgage is structured to be affordable (typically 30% of household income or less). The down payment assistance component for St. Louis city purchases is a silent/deferred obligation associated with the Habitat homeownership program; specific terms depend on the property and program.
Eligibility
- Income limits: At or below 80% of the St. Louis MSA Area Median Income. Must demonstrate ability to pay an affordable mortgage payment.
- First-time buyer required: Yes — Applicants must demonstrate need for decent, affordable housing. Previous homeownership does not automatically disqualify.
- Geographic restrictions: Habitat for Humanity Saint Louis builds primarily in St. Louis City and parts of St. Louis County, including University City and Hyde Park. Availability in Florissant specifically is limited to when Habitat is actively building or rehabbing in North County.
- Homebuyer education required: Yes
How to Apply for Habitat for Humanity Saint Louis
Step 1: Call the Habitat for Humanity Saint Louis homeownership information line at (314) 371-0400 ext. 632 to request a homeownership application packet. Applicants must demonstrate need, ability to pay an affordable mortgage, and willingness to partner with Habitat (including 350 hours of sweat equity). Selection is made by the family selection committee.
Notes
Families selected for the program commit to 350 hours of sweat equity volunteer service and a 30-year affordable mortgage. The program builds primarily in St. Louis City; availability directly in Florissant is project-dependent. Verify current Florissant-area projects with Habitat before applying.