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
    5535 Delmar
    Suite 2100
    St. Louis, MO 63112
    Ph: 314-367-1843
  • Beyond Housing / NHS
    4165 Manchester
    St. Louis, MO 63110
    Ph: 314-533-0600
  • Northeast Community
    Action Committee
    3400 Meadow Pointe Drive
    O'Fallon, MO 63366
    Ph: 800-748-7636
  • Community Action Agency of St. Louis County
    2709 Woodson Rd.
    St. Louis, MO 63114
    Ph: 314-863-0015