Missouri Housing Development Commission

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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

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Program Availability:

State of Missouri.

Loan Options:

	First 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.
	Loan type can be FHA/VA/RD or conventional loans (mortgage rates could be higher for conventional loans)
	Downpayment assistance is available. click here for more details

First-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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