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94+ Missouri Home Improvement & Repair Programs

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Missouri has over 94 official home improvement grants, repairs grants, programs and local resources available to low income homeowner families and individuals (most programs are based on income). This article provides you with all the main home repair programs offered throughout the state in 2024.

 

Updated: Mai 22, 2024

 
 

We understand that home repairs can a financial challenge. Our Homeowner Repairs Survey found that in Missouri, 1/3 of homeowners have to postpone them, and half% delay repairs for financial reasons:

 
  • – 33% of homeowners can’t afford repairs.
  • – 52% of homeowners postpone repairs for financial reasons.
 
 

So you’re not alone. The programs below can help you find those funds for your home.

 
 

Who provide home repair programs in Missouri?

 

There are 4 main sources of financial assistance for home improvement and repair in Missouri:

 
  1. 1- Federal Programs : HUD (Housing and Urban Development) is the Federal housing agency providing programs and funds to the State, its Counties and Cities.
  2. 2- State Programs : MO’s Housing Development Agency has programs to help homeowners.
  3. 3- Community organizations: Many offer help for home repair, improvement and home modification.
  4. 4- Counties and cities programs : are the organizations offering funds ($90M) and programs to help MO’s homeowners with home repair, home rehabilitation and home improvement.
  5. 5- Rural programs: are for people living outside of a major city in a rural area and are offered by the USDA. $580,00 provided last year.
 

You can review the Federal and the State of Missouri home repair grants but ultimately your county and city are the ones you need to contact and where you apply for funding.

 
 
 

Who is eligible for government home improvement grant?

 

Every homeowner is eligible for home improvement and repairs grants and assistance in Missouri (find them all in this article). In reality, because the needs are so big, some groups like seniors, veterans, disabled and low-income households are given priority. Even in those cases, you need to apply as soon as possible because funds are limited.

 

So it’s often first arrived on a first served basis: apply early.

 

Each programs have their own eligibility, so you need to verify with programs in your area to see info you meet the income eligibility level.

 
 
 

Which home improvement & repair are eligible?

 

ln Missouri repair and improvement programs focus on:

 
  • – Ensure your home does not harm the residents’ health.
  • – Ensure your home structure is sound and may not hurt its resident.
  • – Help seniors and disabled residents stay in their homes longer and safer.
 

More precisely the following work and repair are usually covered by home improvement grants programs:

 
  • Roof: Government grants for free roof replacement or repair. Also our Guide to Roof Repairs.
  • Windows & doors: MO window replacement program info is right below. We have also a Windows Replacement Guide.
  • Foundations: Foundation repair grants and programs usually covers home foundation repairs.
  • Electrical & plumbing : Grants for electrical repair and plumbing assistance repairs are covered as long as they bring your home electrical and plumbing up to the local code.
  • Heating & cooling: Some States and Counties have heating grants and cooling programs to bring your system up to living standards.
  • Lead paints & pipes plus asbestos: Most programs cover the removal and change of lead and asbestos materials dangerous to your health.
  • Sewers and water line: Most home improvement grant programs cover funds to have your home connected to your town water and sewer system and in other cases to your well or septic tank.
  • Home structure: In some cases, if your home structure is no longer safe, programs will help with fixing the home structural problems. Note: in some cases the cost may be too high to fix and another program can help get a new one.
  • Home remodeling: In some cases a home can be remodeled if they need major repairs as long as the cost is not prohibitive. Since the total amount vary by program you have to verify on this page for programs in your area.
  • Bathroom remodeling: Some programs let you remodel a bathroom in order to bring them to sanitary and health standard.
  • Home modifications for seniors: There are multiple programs to modify seniors’ homes to help them living longer independently at home. Common modification are ramps, handle bars, bathrooms modification and kitchen are adaptations. You can find those resources in our resource for senior home modifications.
 
 
 

Confused about home improvement programs terms?

 

It can be confusing to understand the terms. Lots of different organizations have different words for the same type of help programs: home improvement grant, home repair grants, programs, free grants, relief service, repair assistance, etc. They are all synonyms of programs designed to help low and moderate income homeowners repair and fix important element of their house.

 
 
 

What are the types of home improvement help in MO?

 
 

Home repair programs comes in many form but they are usually in the 5 types:

 

Home Repair Grants & Home Improvement Grants: Typically grants don’t need to be repaid. The organization providing the funding covers the cost of the work and you don’t pay anything back.

 

Volunteers and charities home repairs: Some organizations rely on volunteers to repair your home so there’s no cost to you.

 

Home improvement loans: These are traditional loans where you have to repay a fixed amount monthly but they are usually with a lower than normal interest rate.

 

Home improvement loans paid at term: It’s a traditional loan paid back in full only when you leave or sell your home. This means you have nothing to pay monthly. The organization offering these loans usually takes a lien on your home to be certain to be paid in the future.

 

Forgivable home improvement loans: It’s a traditional loan but you do have to pay it back monthly. Instead after a few years the organization forgives your loan.

 

Note: In some rare cases you may find yourself with a mix of the types above. In all cases the important thing is you get help to fix your home and keep it secured and a place for you to live in a safe and healthy home.

 
 
 

HUD (Urban Housing Department) (2 programs)

 

HUD is the federal agency funding the Missouri Housing agencies, and the state’s counties and cities. HUD have many programs from home buyer help, renter help, homeowners funding among many for home repairs and improvements.

 

2 loans programs helps people renovate, rehabilitate or improve their home (mobile homes included). Both are loan insurances for Missouri homeowners who couldn’t otherwise get a loan:

 

Rehabilitation and repair loan (insurance): Known as “Title I Property Improvement Loan Program”, it helps you if you have not enough equity for a traditional loan, and the FHA (part of HUD) insure your loan for your lender.

 
  • – House Loan amount limit: $25,000
  • – Mobile home Loan amount limit: $25,090
 

203(k) Rehabilitation Mortgage Insurance: This a special FHA loan that allows you to finance both the purchase or refinancing of a house and the cost of renovations into a single mortgage. 

 
  • – Limited 203k loan: Projects less than $35,000.
  • – Standard 203k loan: Projects over $35,000.
 

In both Tittle 1 and 203(k), the money for the renovations is put in an escrow account and is only released to the contractor when the work is completed and inspected by a qualified professional. This helps ensure that the renovations are done properly and that the money is used for its intended purpose. It protects both the lender and you the homeowner.

 
 
 
 

Missouri Housing Dev Commission (1 program)

 

The MHDC have 1 program for homeowners. All of them are managed locally either with your county, city or a non-profit organization.  

 

Home Repair Assistance (HeRO): The program providing funding to local organizations helping homeowners have repair done on their home. Project funding can go up to $22,500 per project

 

Eligible repairs:

 
  • – Repair, modification, and replacement
  • – Environmental
  • – Weatherization
  • – Accessibility
  • – Lead risk reduction
  • – Emergency home repair in disaster areas
 

More information and local program contacts.

 

 
 
 
 

Statewide organizations (55 Programs & Resources)

 
 
 
 

Community Action Agencies of Missouri (CAA) (19 resources)

 

These 19 non profits located throughout Missouri offer many services to their residents area. One is often home repair assistance programs for low and moderate income homeowners.

 

Find your area CAA then contact your closest agency to see the programs they have for homeowners like you.

 
 

Habitat for Humanity (25 programs)

 

With 25 local organizations in MO, Habitat provide help to low income, disable and elderly homeowners to fix their home. Find and contact your local Habitat organization in Missouri.

 
 

Habitat ReStores (6 resources)

ReStores provide discounted used and surplus building materials, plus appliances and furniture in over 6 locations throughout the state.

 
 

Rebuilding Together (2 resources)

RT helps homeowners in need repair or modify their home and be able to live safely in it much longer. RT have 2 local chapters in Kansas City and the St Louis.

 

 
 
 

Veteran Affairs (1 program)

 

Home improvement & modification: Program provides in Missouri medically necessary improvements and structural alterations to Veterans/Service members’ primary residence for $6,800.

 

Work purposes:

– Allowing entrance to or exit from the primary residence
– Use of essential lavatory and sanitary facilities (e.g. roll in showers)
– Allowing accessibility to kitchen or bathroom sinks or counters (e.g. lowering counters/sinks)
– I55mproving entrance paths or driveways in immediate area of the home to facilitate access to the home through construction of permanent ramping
– Improving plumbing or electrical systems made necessary due to installation of home medical equipment

 

Find more details and how to apply

 
 
 
 

WAP & LIHEAP (2 programs)

 
 

WAP: Weatherization Assistant Program (WAP) is funded by the Federal but managed locally. Its work help improve, repair or change energy efficient home parts at no cost. It also pay for attic insulation and ventilation, repair or replace broken heating, cooling and water heaters, as well as many other small work to improve your home’s energy efficiency.

 
WAP spent per home (average)
  Spent per Home Homes Weatherized Budget
Missouri

$4,169

8,699 $68M
Source: State of Missouri
 
 

Types of assistance:

  1. – Address air infiltration with weather stripping, caulking, thresholds, minor repairs to walls, ceilings and floors, and window and door replacement
  2. – Install attic and floor insulation.
  3. – Install attic ventilation.
  4. – Apply solar reflective coating to manufactured homes.
  5. – Install solar screens.
  6. – Repair or replace inefficient heating and cooling units.
  7. – Repair or replace water heaters.
 
 

Find the program detail and contact your regional agency managing it.

 
 
 

LIHEAP: This program is mostly to help pay your heating and cooling cost but it may also help fix, repair or replace broken windows for energy efficient ones.

 

Find more info about the program eligibility and how to apply.

 
 
 
 

Missouri Disaster Recovery (many)

 

If you have been in a natural disaster, you may qualify for Missouri Disaster Recovery Programs.

 

Verify if your area has been declared a federal disaster area. If you are in a  federal disaster area you can apply to a multitude of programs.

 

You may be able to claim housing, financial, food, medical, etc. There’s a 1 federal site for all claims.

 

 
 
 
 

Missouri Rural Residents (2 programs)

 

The USDA provide home improvement loans and government grants to low-income homeowners in MO’s rural areas.

 

MO homeowner amounts:

Grant (average): $9,797

Loan (average):   $6,089

 

Who may apply for this program? To qualify, you must:

 
  1. – Be the homeowner and occupy the house.
  2. – Be unable to obtain affordable credit elsewhere.
  3. – Have a family income below 50 percent of the area median income.
  4. – For grants, be age 62 or older and not be able to repay a repair loan.
 

What is an eligible area?

Applicants may check the address of their home to determine eligibility.

 

How may funds be used?

Loans may be used to repair, improve or modernize housing or remove health and safety hazards.

Grants must be used to remove health and safety hazards.

 

How much money can I get?

  1. – Maximum loan is $40,000
  2. – Maximum grant is $10,000
  3. – Loans and grants can be combined for up to $50,000 in payment assistance
 

What are the terms of the loan or grant?

  1. – Loans can be repaid over 20 years
  2. – Loan interest rate is fixed at 1%
  3. – Full title service is required for loans of $7,500 or more
  4. – Grants have a lifetime limit of $7,500
  5. – Grants must be repaid if the property is sold in less than 3 years
  6. – If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination
 

Is there a deadline to apply?

Applications for this program are accepted through your local USDA’s RD office all year round.

 

How long does an application take?

Approval times depend on funds availability in your area.

 
 
 
 

Seniors and Elderly Help for Home Repairs (many)

 

There are official elderly home repair assistance in Missouri but they are not only for seniors. Seniors, just like all Tennesseans, are eligible to the same home improvement programs listed on this page.

You can also contact your local Area Agency on Aging (pdf) to find local programs for seniors home repairs and home modifications.

 

You can also find home modification programs for seniors

 
 
 

Window Replacement (4 programs)

 

Find in a specific article explaining Missouri window programs.

 
 
 

Counties and Cities Programs (28 programs)

 

Most MO counties have approved home repair and government grant programs and most major cities also have similar help for homeowners. Cities and counties received over $90M ($63M CDGB + $27M HOME) last fiscal year to help residents with various programs.

 

If you don’t see your county or city below you should contact it directly and ask them if the city have a home repair program.

 
 
 

St. Louis County (2 programs)

 
 

RESIDENTIAL WATER SERVICE LINE REPAIR: When a residential water service line needs repaired or replaced, this program pay to make the necessary changes.

 

More information

 

RESIDENTIAL SEWER LATERAL: Program repair or change the sewer pipe which runs from the foundation of a house to the sewer main.

 

More information

 
 

St. Louis city (1 program)

 

Healthy Home Repair: Program provides essential home repair assistance to low to moderate income households living in the city. This program help homeowners maintaining the safety, value, and well-being of their homes.

 

Work provided:

 
  • – Roofs
  • – Electric
  • – Plumbing
  • – Heating and Cooling
  • – Lead remediation and abatement
  • – Installations of new windows, doors, and porches
  • – Radon mitigation
 

More information

 
 

Jackson County (1 program)

 

The county does not have a specific home repair and improvement programs but other organisations in the county can help.

 

Habitat for Humanity (4 programs)

 

Home Preservation: Program offer help to Lee’s Summit homeowners.

 

Critical Home Repair: Program offer help to Lee’s Summit Homeowners.

 

Aging In Place: Home modification program for seniors available through the county.

 

Weatherization: Program offered in Raytown and Independence.

 

More information for 4 programs above

 
 

Kansas City (3 programs)

 

City Home Repair: Program is currently closed as we are write this but you should verify regularly with the link below.

 

Work done:

 
  • – Plumbing: main water lines, supply lines and water heater
  • – Plumbing: sewer mains and drain lines
  • – Electrical systems: service entrance and main panel, including updating existing branch circuits
  • – Roofs: Strip down and install new roofing materials
 

More information

 

Paint Program: It provides free paint and supplies to qualifying homeowners who live in Kansas City Missouri. All labor must be accomplished or provided by the homeowner. The total cost of the paint and supplies may not exceed $500.

 

More information

 

Targeted Minor Home Repair: Program let eligible residents of Key Coalition, Santa Fe, Boston Heights, Oak Park, South Roundtop, Ruskin, Marlborough, Blue Hills Wendell Phillips, receive a choice of two repairs among the following below.

 
  • – Plumbing: Main water lines, supply lines and water heater
  • – Plumbing: Sewer mains and drain lines
  • – Electrical Systems: Service entrance and main panel, including updating existing branch circuits
  • – Roofs: Strip down and install new roofing materials
  • – Furnaces: Complete replacement which may include duct work
 

More information

 
 

Independence City (1 program)

 

The city does not have its own home repair program(s) but it relies on 2 organisations for emergency home repairs.

 

Community Action Agency of Greater Kansas City

 

Work provided:

 
  • – Repair or replacement of furnaces and water heaters
  • – Duct work
  • – Repair or replacement windows and doors
  • – Caulking, weather stripping and installing insulation to sidewalls and attics.
 

More information

 

Truman Heritage Habitat for Humanity (1 program)

 

Program provides exterior repairs to low income homeowners in the form of a Zero interest loan.

 

Typical repairs:

 
  • – roof repair or replacement
  • – porch repairs
  • – landscaping
  • – guttering
  • – driveway/sidewalk repairs.
 

More information

 
 

Lee’s Summit City (1 program)

 

Critical home repair: The city program is offered by Truman Habitat for Humanity and it’s their Home Preservation Program.

Program application form

 
 

Blue Springs City (1 program)

 

MINOR HOME REPAIR: Program is on neighborhood conservation, and only minor exterior home repairs will be eligible. Each property is limited to up to $5,000 in eligible repairs per year, with a lifetime cap of $25,000.

 

Eligible repairs include:

  • – Window/Glass Repair
  • – Exterior Door Repair
  • – Minor Roof Repair
  • – Flashing or Gutter Repair
  • – Exterior Paint
  • – Minor Repair of Porch, Exterior Steps, and Railings
  • – Repair of Exterior Siding or Trim
  • – HVAC and water heater repair or replacement
  • – Accessibility ramp improvements
 

More information and eligibility

Contact information

 
 

St. Charles County (1 program)

 

Home Improvement Loan: Program provides funding to $5,000 through a no-interest, five-year forgivable loan low-income for homeowners with home rehabilitation projects such as new windows, furnaces, and air conditioners, roof replacement, driveway replacement or repair, etc.

 

More information

 
 

O’Fallon City (3 programs)

 

Interior Home Repair: Program offers up to $7,500 for eligible repairs with a 5-year forgivable loan. The loan is only subject to repayment if property is sold.

 

Eligible repairs include:

 
  • – HVAC
  • – Water heaters
  • – Electrical repairs
  • – Plumbing repairs
  • – Basement repairs
  • – Insulation and weatherization
  • – Windows
  • – Internal accessibility needs
  • – Indoor code violations/safety requirements (smoke detectors, etc.)
 

More information & eligibility

 

Exterior Home Repair: Program offers up to $10,000 in the form of a one-time grant for eligible repairs.

 

Eligible repairs include:

 
  • – Driveways
  • – Roofs
  • – Siding
  • – Decks
  • – Soffit/fascia/trim
  • – Gutters
  • – Hazardous tree/limb removal
  • – External code violations
  • – Fence repair
  • – Garage doors
  • – External accessibility needs
  • – Extermination/pest control
 

More information & eligibility

 
 

Mobile Home Repair: Program offers up to $3,000 in the form of a one-time grant for eligible repairs.

 

Eligible repairs include:

 
  • – HVAC
  • – Electrical repairs
  • – Plumbing repairs
  • – Skirting
  • – Decks
  • – Windows
  • – Accessibility needs
 

More information & eligibility:

 
 

St. Charles City (3 programs)

 

The city manage all the County programs above in the city of St Charles.

 

More information

 
 

St. Peters City (1 program)

 

Home Improvement Loan: Provides funding up to $7,500 through a no-interest, five-year forgivable loan to low-income homeowners with home rehabilitation projects such as new windows, furnaces, and air conditioners, roof replacement, driveway replacement or repair, etc.

 

More information

 
 

Greene County (1 program)

 
 

Springfield city (1 program)

 

HOMEOWNER EMERGENCY LOAN: Program provides deferred loans of a maximum not exceeding $15,000 per property for projects less than $2,500 per property. It is for low to moderate income homeowners and it designed to fix critical home repairs include those which pose an imminent threat to the home and inhabitants.

 

Eligible improvements:

 
  • – Roofs, roof decking, structural framing, soffit, fascia, siding and gutter repair/replacement
  • – Windows, doors, knobs/locks, porch handrails, steps, and decking repair/replacement
  • – Water service lines and sewer lateral repair/replacement
  • – Exterior lighting, tree removal and trimming
  • – Improvements to increase energy efficiency and related general weatherization work
  • – Installation of ramps and improvements to increase and improve accessibility and safety
  • – Improvements necessary to increase the insurability of owner-occupied homes
 

Program details:

 

Contact info:

 
 

Clay County (0 program)

 

No county program

 
 

Jefferson County (0 program)

 

No county program

 
 

Boone County (0 program)

 

No county program

 
 

Columbia city (1 program)

 

Home Rehab & Energy Efficiency: Program make Low to Moderate Income homeowners’ homes more energy efficient. Loan amounts vary depending on necessary repairs provided in the form of a 0% interest loan.

 

Types of improvements:

 
  • – Furnace, Energy Star Rated
  • – Air Conditioner/Heat Pump, Energy Star Rated
  • – Heat Pump Water Heaters
  • – Toilet Replacement, WaterSense Rated 1.28 GPF or Less
  • – Attic Insulation, Brought up to R-50
  • – Crawl Space Spray Foam Insulation with Vapor Barrier, R-13 Closed Cell *Crawl Space must not get wet
 

More information

 
 

Jasper County (0 program)

 

No county program

 
 

Cass County (0 program)

 

No county program

 
 

Platte County (0 program)

 

No county program

 
 

Franklin County (0 program)

 

No county program

 
 

Christian County (0 program)

 

No county program

 
 

Buchanan County (0 program)

 

No county program

 
 

St. Joseph City (3 programs)

 

Emergency Assistance: Program provides assistance to correct urgent and life threatening situations in the home.

 

Work required up to $7,500.00 is in the form of a grant

Work required over $7,500 is in the form of a deferred payment loan for qualified homeowners age 62 and over or permanently disabled. Or a low interest loan 0-4% with the interest rate based upon the property owner’s ability to pay not to exceed a 20 year term.

More information

 

Low interest loan: Program focus on property improvements and include nuisance abatement for applicants who are age 62 or over or permanently disabled.

 

Work priority but not be limited to the following:

 
  • – Conditions creating electrical hazards
  • – Hazardous plumbing or circumstances creating hazards such as:
  • – Leaking water lines or fixtures
  • – Broken and/or inoperative sewer systems
  • – Inadequate water heating systems
  • – Improper sewer venting causing hazardous gases
  • – Inadequate heating systems.
  • – Improper flues causing toxic gases and/or fire hazards
  • – Structural failure
  • – Leaking roof and/or conditions resulting from or contributing to water damage
  • – Work necessary to provide accessibility for elderly or disabled occupants; and
  • – Identifying and correcting Lead paint hazards

More information

 

Weatherization: Program is a 100% grant to the homeowner up to $7,500.

 

Work is limited to:

 
  • – Insulation
  • – Windows
  • – Storm Doors
  • – Entry Doors
  • – Weather-Stripping and Caulking
  • – Replacement of HVAC Equipment
  • – Hot Water Heater
 

More information

 
 

Cape Girardeau County (0 program)

 

No county program