MHDC First Place Loan

Missouri Housing Development Commission

Available Down Payment

About This Program

MHDC First Place Loan is available to homeowners in Gladstone, MO.

Missouri Housing Development Commission offers down payment and closing cost assistance for first-time homebuyers. Must be used with an MHDC first mortgage. Repayment forgiven after 5 years of occupancy. Available through participating lenders in Clay County.

Forgivable second mortgage for down payment and closing costs

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Gladstone, MO, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $5,000 forgivable loan for down payment and closing costs
  • Must be first-time homebuyer
  • Income limits apply (varies by county and household size)
  • Forgiven after 5 years of occupancy
  • Use with MHDC first mortgage through participating lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(816) 759-6600

A grant-savvy contractor in Gladstone, MO can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing program

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can MHDC First Place Loan provide in Gladstone, MO?

Up to $5,000 down payment assistance.

Who qualifies for MHDC First Place Loan in Gladstone?

MHDC First Place Loan is open to homeowners in Gladstone, MO.

How do I apply for MHDC First Place Loan in Gladstone, MO?

Apply directly with Missouri Housing Development Commission using the official program link on this page or call (816) 759-6600. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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