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Get Matched Free →PORCH Initiative First-Time Homebuyer Program (South Cape)
How much assistance
Eligibility
- Income limits: Not published. Priority is typically given to lower-income first-time buyers. Confirm current income guidelines with PORCH.
- First-time buyer required: Yes — First-time homebuyer per HUD definition (has not owned a principal residence during the three-year period immediately preceding the purchase).
- Geographic restrictions: Home must be located within the South Cape Girardeau neighborhood boundary as defined by PORCH. Applicants must be PORCH-board approved. This is a targeted neighborhood revitalization program — not a city-wide DPA.
- Homebuyer education required: Yes
How to Apply for PORCH Initiative First-Time Homebuyer Program (South Cape)
Step 1: Visit lovesouthcape.org to learn current programs, attend an info session, or contact PORCH directly.
Step 2: Complete PORCH's financial education program. This is a required step before consideration.
Step 3: Meet with a PORCH Homeowner Mentor through the Homeowner Mentorship Program (each first-time buyer is paired with an experienced homeowner for guidance).
Step 4: Submit an application for a PORCH rehabbed home. The PORCH board reviews and approves applicants.
Step 5: Get pre-approved for a first mortgage — many PORCH buyers stack an MHDC First Place or Next Step DPA on top of the PORCH home purchase.
Step 6: Close on your rehabbed South Cape Girardeau home.
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