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Home Ownership and Home Maintenance

Central Missouri Community Action - Callaway County Resource Office - Home Weatherization and Home Ownership classes
610 Collier Lane, Fulton, MO 65251
573-642-3316   Fax: 573-592-0977
Hours: Monday- Friday 8:00-12:00, 1:-5:00
www.showmeaction.org

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, employment training program.
Eligibility: Based on income and varies by program, call for information.



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

http://www.showmehabitat.org/

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



Missouri Housing Development Commission
505 N. 7th Street, 20th Floor, Suite 2000, St. Louis, MO 63101
(314) 877-1350   Homeownership ProgramsToll Free: 800-246-7973
http://mhdc.com/homes/index.htm

Our "First Place" loan program gives first-time homebuyers* the edge they need to purchase a home, 
with cash assistance available.
Our MCC program provides income eligible first-time homebuyers* with an opportunity to reduce the amount 
of federal income tax owed each year they own and live in their homes.
Our “Next Step” program gives first-time homebuyers as well as non-first time homebuyers the opportunity to purchase their own home with higher income limits and purchase price limits. It also gives the borrower the opportunity to receive cash assistance for down payment and closing cost assistance
If you are a qualified veteran, you do not have to be a first-time homebuyer* to qualify for our "First Place" 
or "Mortgage Credit Certificate" loan programs (above).



River City Habitat for Humanity 
1420 Creek Trail Drive Jefferson City, MO 65109             
573-635-8439 Fax 573-635-2106

Services: River City Habitat for Humanity is the local affiliate of Habitat for Humanity International, a nonprofit Christian ministry working in partnership with low income families to improve their living conditions with decent, affordable housing.



USDA Single Family Housing Direct Home Loans and Guaranteed Loans
101 Industrial Park Roadway, Eldon, MO 65026
573-392-5667 
www.rd.usda.gov/mo

USDA Rural Development’s Section 502 Direct Loan Program provides a path to homeownership for low- and very-low-income families living in rural areas, and families who truly have no other way to make affordable homeownership a reality. This program assists 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. Payment assistance is a type of subsidy that reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income.
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