Joplin Homebuyer Assistance Program (JHAP-3)

Step 1: Check program status

Visit jhapinfo.com or call 417-624-0820 ext. 1577 to confirm whether the waitlist is open or new applications are being accepted. As of April 2026, all $1,000,000 in program funds have been reserved and applications are paused.

Step 2: Review income eligibility

Verify that your household income is at or below 300% of the Federal Poverty Level for your household size. The current income chart is posted on jhapinfo.com.

Step 3: Complete HUD-approved homebuyer education

Complete an approved homebuyer education course before closing. The Economic Security Corporation of Southwest Area and other HUD-approved counseling agencies offer these classes.

Step 4: Find a home inside Joplin city limits

Work with a licensed Missouri real estate agent to locate an eligible single-family home within the Joplin corporate city limits. Property must pass a housing quality standards inspection.

Step 5: Get prequalified with a participating first-mortgage lender

Obtain a first-mortgage pre-approval (conventional, FHA, VA, or USDA) that is willing to subordinate to the JHAP-3 forgivable second. MHDC First Place and Next Step are commonly paired.

Step 6: Submit the JHAP-3 application

Submit your signed purchase contract, income documentation, lender pre-approval, and homebuyer education certificate to the JHAP office. If funding is depleted, request waitlist placement in writing.

Step 7: Close and move in

If approved, the City and ESC will coordinate with your closing attorney to record the forgivable second. You must occupy the home as your primary residence for the full 5- or 10-year affordability period for the loan to be fully forgiven.