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  Homeownership Next Step > Opportunity Areas

 

 

Next Step

Homebuyer Program

 

Opportunity Areas

 

Opportunity Area means a metro area in which the census tract has less than 5 percent poverty and 70 percent or more have some college education and incomes are higher than 120 percent of the area median.  In rural areas the census tract must have less than 10 percent poverty and 40 percent or more have some college education and incomes are higher that 120 percent of the area median.

NOTE:   Borrowers purchasing within an Opportunity Area will receive an interest rate that is lower than the regular Next Step program rate.

Please use the website www.ffiec.gov to locate census tract numbers.

 

2016 Opportunity Area Census Tracts are:

 

COUNTY

CENSUS TRACT NUMBER

Andrew

0101

Boone

0006 & 0012.01

Buchanan

0002, 0007.01, 0009, 0022, 0023, 0027 & 0028

Butler

9502.01 & 9502.02

Callaway

0705 & 0707

 

Camden

9501, 9503, 9504 & 9506

Cape Girardeau

8812 & 8815

Cass

0603.05 & 0604

Christian

0201.01, 0201.02, 0202.01, 0202.02, 0202.04, 0203.02, 0203.03,

0203.05,

 

0203.05, 0203.06, 0204 & 0205

Clay

0209.01, 0212.05, 0212.06, 0213.05, 0213.06, 0213.10, 0218.03

 

0218.05 & 0223.02

Cole

0107.01, 0107.02 & 0108

Cooper

9501

Franklin

8002.02

Greene

0010, 0026, 0028, 0029, 0037, 0038, 0040.02, 0040.03, 0041.01,

0041.02, 0041.03, 0042.01, 0043.01, 0048.02 & 0049

Jackson

0083, 0086, 0091, 0100.01, 0101.05, 0128.02, 0129.04, 0134.07, 0136.06, 0136.12, 0137.04, 138.02, 0139.01, 0139.04, 0139.16, 0142.03, 0142.04, 0147.02, 0148.04, 0148.06, 0149.05, 0158, 0173, 0176, 0179, 0181, 0185, 0186 & 0193

Jasper

0104

Jefferson

7002.09

Johnson

9601, 9603 & 9800

Maries

8802.98

Marion

9601

Newton

0203, 0206.01 & 0206.02

Pettis

4802

Phelps

8910

Platte

0301.03, 0302.01, 0302.05, 0302.08, 0303.06 & 0304.01

Pulaski

4701.01, 4703.89, 4704 & 4706

Randolph

4904

Saline

0902

Stone

906.01

                                                         

St. Charles

3102.01, 3106.02, 3108.01, 3111.03, 3111.14, 3111.24, 3111.45, 3111.46

 

 

3111.46, 3111.47, 3111.48, 3111.50, 3111.52, 3111.53, 3111.54,

 

3112.03, 3112.11, 3112.96, 3113.11, 3113.22, 3117.32, 3117.35,

 

3117.36, 3119.03, 3119.07, 3119.09, 3120.96, 3120.97, 3121.92,

 

3121.93, 3121.94, 3122.04 & 3123

St. Louis City

1022 & 1038

St. Louis County

2109.27, 2109.28, 2113.33, 2150.03, 2151.02, 2151.03, 2151.41,

 

2152.01, 2152.02, 2152.32, 2174, 2176, 2178.02, 2178.07,

 

2178.41, 2178.42, 2178.52, 2179.21, 2179.31, 2179.32, 2179.42,

 

2179.43, 2179.44, 2180.03, 2182.01, 2184.01, 2184.02, 2185,

 

2194, 2200.02, 2204.32, 2204.45, 2204.46, 2208.03, 2211,

 

2213.02, 2213.35, 2214.21, 2214.23, 2214.24, 2215.02, 2215.03,

 

2215.06, 2216.21, 2216.24, 2219, 2220 & 2221

Taney

4803.01

Vernon

9505

 

 

 

Need more information? Call Toll Free 800-246-7973

 

 

 

 

 

 

 

 

 

Program Availability:

 

bulletState of Missouri.

 

 

Loan Options:

 

bulletFirst Mortgage through MHDC with a 30 year fixed rate mortgage. Rates will be set on a daily basis. Please contact a certified lender to find the current rate.
 
bullet Loan type can be FHA/VA/RD or conventional loans (mortgage rates could be higher for conventional loans)
 
bulletDownpayment assistance is available. click here for more details

 

bulletFirst-time homebuyers may also use the Next Step Program in conjunction with the Mortgage Credit Certificate Program (MCC). See the MCC program for more details.
 

 

 

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