Down Payment Loan Program


The HOME St. Charles program is an effort by the County to provide zero-interest down payment loans to income-eligible homebuyers living within the "St. Charles Urban County."

How It Works

The second mortgage loans are at zero percent interest, forgivable after five years and will be originated and sold to St. Charles County by approved not-for-profit housing counseling agencies. St. Charles County will provide each housing counseling agency with a program manual that will provide detailed program procedures, and will coordinate a training and review session with participating agencies. For additional questions, please contact Amy Ellis at 314-615-4592.

Housing Counseling Required

For a loan amount up to $5,000, housing counseling is required. Participating lender / counseling agencies include:

  • Better Family Life
    5415 Page Ave.
    St. Louis, MO 63112
    Ph: 314-367-1843
  • Beyond Housing / NHS
    6506 Wright Way
    St. Louis, MO 63121
    Ph: 314-533-0600
  • Northeast Community
    Action Committee
    3400 Meadow Pointe Drive
    O'Fallon, MO 63366
    Ph: 800-748-7636
  • Housing Partnership
    336 E. Ripa Ave.
    St. Louis, MO 63125
    Ph: 314-631-9905