Home Ownership and Home Maintenance
USDA Single Family Housing Direct Home Loans
573-443-8706
USDA Rural Development’s Section 502 Direct Loan Program provides a path to homeownership for low, very-low, and moderate income families living in rural areas (outside the Columbia city limits) to make affordable homeownership a reality (a family from 1 - 4 members can make up to $44,150 in Benton, Hickory or Morgan County). This program assists moderate, low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. No down payment is required. Payment assistance is a type of subsidy that reduces the mortgage payment, and the amount of assistance is determined by the adjusted family income.
West Central Missouri Community Action Agency
110 Tower Dr. Ste. A, Warsaw, MO 65355
800-293-3581
https://wcmcaa.org/needing-assistance/unable-to-pay-rent/
Family Self-Sufficiency and Home Ownership Programs: These programs are offered in conjunction with the Housing Choice Voucher Program. Over 150 families are participating in the Family Self-Sufficiency Program and many have graduated and become self-sufficient. A number of families have been able to become homeowners by taking advantage of the Home Ownership Program, which helps the families pay their mortgage rather than rent.