Missouri Housing Development Commission

Homeownership & Home Repair > First-time homebuyers and veterans

> Non Cash Assistance Loan (Non CAL)

Provides lower interest rate to first-time homebuyers who do not need down payment and closing costs assistance.

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Non CAL details:

	Qualified first-time homebuyers are eligible for lower interest rates than those who use the CAL program.
	These rates will result in a lower monthly payment.
	This program does not provide down payment and/or closing cost assistance.
	No junk fees are allowed. The lender may charge standard closing costs.

Purchase Price Limits
Type of Home	Non-Target Area	Target Area*
Single family home	$349,525	$427,198
Duplexes	$447,542	$546,995
Note: These limits are subject to change in accordance with regulations. *Target Area: click here

Income Limits
Program	Income Limits
Non Cash Assistance Loan Program	click here
Additional Income Guideline Information The total gross annual household income for all borrowers and spouses that will live in the home must be within the limits established for household income. Total gross annual household income is calculated using all sources of income including, but not limited to, wages, overtime, bonuses, child support, alimony, commissions and earnings from a second job, business and investments.

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