While there is a lot of uncertainty around the housing market in 2025, affordability still remains a top challenge for homebuyers – especially first-time home buyers who, according to a 2025 Bankrate survey, often cite the upfront costs of homeownership as the biggest barrier to homeownership. And a 2023 study from LendingTree shows that while 39% of homebuyers nationwide use financial assistance, around 22% look to their friends and family for help vs. tapping into available local resources.

St. Louis homebuyers can access assistance programs and address some of the upfront costs of homeownership…if they know where to look.

What are my down payment assistance program options?

Down payment assistance programs aim to make housing more affordable and can be used to address the upfront cos

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