See programs you qualify for
Get Matched Free →UMB First-Time Homebuyer Program
Funding status: Active
How much assistance
Up to 5% lender grant total: up to 3% of the purchase price for down payment, plus up to 2% lender credit applied to closing costs and prepaid items.
Grant funds are not required to be repaid to UMB Bank. Grant may be reported on a Form 1099 and may be treated as taxable income to the borrower.
Eligibility
- Income limits: Household income must meet UMB program income limits for the county where the property is located. Exact limits vary by county — contact UMB for current Clay County limits.
- First-time buyer required: Yes — Borrower has not owned a primary residence in the past three years (standard industry definition — confirm with UMB).
- Geographic restrictions: Property must be located in a UMB program service area county. UMB service counties in Missouri include Clay, Cass, Jackson, Platte, St. Louis City, St. Louis County, Jefferson, and St. Charles. Additional census-tract restrictions may apply within each county.
- Homebuyer education required: Yes
How to Apply for UMB First-Time Homebuyer Program
Contact a UMB mortgage loan officer at the Liberty, MO location (1 Victory Dr, Liberty, MO 64068) or Kansas City location (1010 Grand Blvd, Kansas City, MO 64106) to confirm your eligibility, complete homebuyer education, and apply for a UMB first mortgage paired with the grant. Grant funds are applied as a lender credit on the closing statement.
Free eligibility check
See every program you may qualify for
How soon are you looking to buy?
Question 1 of 6
housebuyerguides