Home Ownership and Home Maintenance
Central Missouri Community Action - Callaway County Resource Office
610 Collier Lane, Fulton, MO 65251
573-642-3316 Fax: 573-592-0977
Hours: Monday- Friday 8:00-12:00, 1:-5:00
Weatherization services (utility assistance and weatherization both subject to availability of funds and program guidelines); Financial coaching available.
Habitat for Humanity, Show Me Central Affiliate
1906 Monroe Street, Columbia, MO 65201
(573)449-1202 Fax: (573)875-2848
Hours: 8:30-3:30 Monday-Friday and 9:00-1:00 Saturday
Services: House building ministry in partnership with low-income families; ReStore sells new and used building materials
Fee: Houses are sold to families with no interest on a 20 year mortgage; family must enter into partnership with Habitat and contribute 250-350 hours of “sweat equity” helping to build the
house.
Eligibility: Income within 30-50% of median Columbia income, need housing, willing to help build.
Missouri Housing Development Commission
505 N. 7th Street, 20th Floor, Suite 2000, St. Louis, MO 63101
(314) 877-1350 Homeownership Programs 800-246-7973
http://mhdc.com/homes/index.htm
Our "First Place" loan program gives first-time homebuyers* the edge they need to purchase a home,
with cash assistance available.
Our MCC program provides income eligible first-time homebuyers* with an opportunity to reduce the amount
of federal income tax owed each year they own and live in their homes.
Our “Next Step” program gives first-time homebuyers as well as non-first time homebuyers the opportunity to purchase their own home with higher income limits and purchase price limits. It also gives the borrower the opportunity to receive cash assistance for down payment and closing cost assistance
If you are a qualified veteran, you do not have to be a first-time homebuyer* to qualify for our "First Place"
or "Mortgage Credit Certificate" loan programs (above).
USDA Single Family Housing Direct Home Loans
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 to make affordable homeownership a reality. This program assists moderate, low, and very low-income applicants obtain decent, safe and sanitary housing in eligible rural areas (any area or town less than 35,000 people) 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.