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Home Ownership and Home Maintenance

Catholic Charities of Central and Northern Missouri: Housing & Financial Counseling
2201 West Main, P.O. Box 104626, Jefferson City, MO 65110
(573) 635-7719 Fax: (573) 635-7721
Hours: 8 am to 4:30 pm

This program offers education and counseling for those who struggle financially to help them achieve long-term prosperity. Our goals are to promote financial literacy and financial responsibility, and increase responsible home ownership. HUD-certified counselors cover topics such as budgeting, mortgage and banking information, credit scores, and savings strategies.

Central Missouri Community Action, Boone County Office (Home Weatherization and Home Ownership classes)
800 N. Providence Road, Columbia, MO 65203
(573)443-1100  Fax: (573)443-1117
Hours: 8 - 5, M - 5

Services: Community outreach social services intake, referral and follow-up; emergency utility assistance for low-income families; weatherization services (utility assistance and weatherization both subject to availability of funds and program guidelines); Family Resource Program of in-home case
management including parenting skills, budgeting nutrition, employment counseling, housing
assessment, and life skills; parenting workshops; 
Eligibility: Based on income and varies by program, call for information
Fees: None for income eligible recipients

City of Columbia Community Development Department
701 E. Broadway, Columbia, MO 65205
573-874-7244  FAX 573-874-7546

Provides loans and grants for owner occupants of housing, including emergency home repairs, repair of exterior city code deficiencies in the central city, and funding to complete housing rehabilitation, funding is also available for other agencies for home repair programs, accessibility improvement and loans for permanent supportive housing for homeless and special needs populations. 

City of Columbia, Planning and Development (First-Time Homeowner's Program)
701 E. Broadway Columbia, MO 65205
(573)874-7239 Fax: (573)874-7546
Hours: 8-Noon and 1-5 pm (Monday through Friday)

Services: Provides loans and grants for owner occupants of housing, including emergency home repairs, repair of exterior city code deficiencies in the central city, and funding to complete housing rehabilitation; funding is also available for other agencies for home repair programs, accessibly improvements, loans for permanent supportive housing for homeless and special needs populations, and loans for the rehabilitation of rental properties in the central city.
Eligibility: Must meet income and other Federal requirements (program specific)
Fees: Yes, loan repayment when applicable

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
Eligibility: Income within 30-50% of median Columbia income, need housing, willing to help build.

USDA Single Family Housing Direct Home Loans and Guaranteed Loans
573-443-8706, ext. 1040

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 (outside the Columbia city limits) to make affordable homeownership a reality (a family of 4 can make up to $63,500 in Boone County). This program assists moderate, low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas 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.