See programs you qualify for
Get Matched Free →Habitat for Humanity Saint Louis Homeownership Program
Funding status: Active
How much assistance
Affordable mortgage on a new or rehabilitated Habitat home (Zero-Interest Loan)
Buyers receive a 0% interest mortgage sized to their income (not forgiven). Sweat equity replaces a traditional down payment.
Eligibility
- Income limits: Household income typically between 25% and 80% of Area Median Income (AMI)
- First-time buyer required: Yes — Must demonstrate need for stable housing and inability to qualify for conventional financing.
- Geographic restrictions: Serves the City of St. Louis and the greater St. Louis metro service area.
- Homebuyer education required: Yes
How to Apply for Habitat for Humanity Saint Louis Homeownership Program
Step 1: 1. Attend a Habitat Saint Louis information session to learn the program. 2. Submit an application and complete an income / credit review. 3. Complete 250+ hours of sweat equity on your home and other Habitat builds. 4. Complete required homebuyer education and financial fitness classes. 5. Purchase your home with a 0% interest mortgage tailored to your income.
Notes
Sweat equity, a commitment to homebuyer education, and a willingness to partner with Habitat are core program requirements.