MHDC First Place Mortgage Program

Missouri Housing Development Commission

Available Home Repair

About This Program

MHDC First Place Mortgage Program is available to homeowners in Kansas City, MO.

First-time homebuyers (and qualified veterans) get below-market 30-year fixed rates plus up to 4% of the loan amount as a forgivable second mortgage for down payment and closing costs, forgiven after 10 years. Works with FHA, VA, USDA, and conventional loans. MHDC is headquartered in Kansas City at 1201 Walnut St.

First-time buyer (or veteran), income limits apply

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

Data last verified 2026-04-01. How we verify our data.

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

Key Details

  • Below-market 30-year fixed interest rate
  • Up to 4% of loan as forgivable down payment assistance
  • Forgiven after 10 years in the home
  • Works with FHA, VA, USDA, conventional loans
  • First-time buyers and qualifying veterans

How to Apply

Get free help applying Visit Official Program Page Track this program

816-759-6600

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Kansas City early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

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).
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • 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: Year-round through participating lenders

Questions about this program?

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

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Frequently asked questions

Who qualifies for MHDC First Place Mortgage Program in Kansas City?

MHDC First Place Mortgage Program is open to homeowners in Kansas City, MO. It serves veterans and military families.

How do I apply for MHDC First Place Mortgage Program in Kansas City, 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.

Get matched with a pro, free Browse Kansas City, MO contractors

Find More Programs in Kansas City, MO

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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