{"status":200,"message":"Success","data":{"id":"8536f7b3-cecd-5559-943b-3474437ce612","title":"First Place Loan Program","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"4681f068-e25c-4433-a96f-ac5fcc35768b"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"mo:mhdc-first-place-loan-program"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"Varies — check official page"},"description":"The First Place Program offers mortgage financing at interest rates below regular market rates for first-time homebuyers and qualified veterans anywhere in Missouri, through MHDC Certified Lenders. A Cash Assistance Loan option provides 4% of the total loan amount for down payment and closing costs, which MHDC's flyer describes as 100% forgivable; a Non-Cash Assistance option offers a lower rate. It works with FHA, VA, USDA Rural Development and Freddie Mac HFA Advantage and Fannie Mae HFA Preferred conventional loans.","funding":{"details":"Cash assistance of 4% of the total loan amount"},"funders":{"primary":{"id":"ad141ec4-69f4-5709-928e-77ffcb468ea3","name":"Missouri Housing Development Commission","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"4ec5fe97-75c9-4dc5-bed4-69d09e0be029","allIds":[{"id":"4ec5fe97-75c9-4dc5-bed4-69d09e0be029","status":"active"}]},"org:us:mo:agency":{"registry":{"code":"org:us:mo:agency","url":"https://opengrants.io/common-grants/registries/org-us-mo-agency.json"},"id":"MHDC"}}}}},"keyDates":{"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Continuous loan program through MHDC Certified Lenders"}}},"acceptedApplicantTypes":[{"value":"individual","description":"Individual"}],"source":"https://mhdc.com/services/homebuyer-programs/first-place/","customFields":{"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"phone":"(816) 759-6600"},"description":"Program contact","schema":"https://commongrants.org/custom-fields/contactInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"Buyers who meet MHDC income and purchase price limits, have a credit score of at least 640 (subject to change), a debt-to-income ratio up to 50%, and will occupy the home within 60 days. First-time homebuyers (no ownership interest in a primary residence for three years) and qualified veterans; the first-time requirement is waived in federally targeted areas."},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://mhdc.com/about-us/nofa-approvals/","description":"Missouri Housing Development Commission grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"loan","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-11-04T07:15:34Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"MO","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"mhdc","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"MHDC","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://www.mhdc.com/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Housing, Community and Economic Development","Veterans & Military"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Individual"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypesNotes":{"name":"applicantTypesNotes","fieldType":"string","value":"First-time homebuyers (no ownership interest in a primary residence for three years) and qualified veterans; the first-time requirement is waived in federally targeted areas.","description":"Notes on who may apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"Below-market mortgages with forgivable down payment and closing cost assistance for first-time buyers and veterans.","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"geography":{"name":"geography","fieldType":"string","value":"Statewide","description":"Geographic limits within the state","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Cash assistance of 4% of the total loan amount","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"Through a lender: applications are accepted only by MHDC Certified Lenders; find one with MHDC's lender locator.","description":"How to apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cycle":{"name":"cycle","fieldType":"string","value":"Continuous loan program through MHDC Certified Lenders","description":"Application cycle pattern","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"nextDeadlineDisplay":{"name":"nextDeadlineDisplay","fieldType":"string","value":"Varies — check official page","description":"What the portal shows as the next deadline","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"deadlineSource":{"name":"deadlineSource","fieldType":"string","value":"record-live","description":"editorial, record or cycle","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stringsAttached":{"name":"stringsAttached","fieldType":"string","value":"Selling within nine years at a profit while over the income limit can trigger federal Recapture Tax, and selling may require repaying part of the cash assistance. Mortgage brokers and some lenders cannot offer the program.","description":"The catch: match, reporting, restrictions","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTip":{"name":"applicantTip","fieldType":"string","value":"Loans in federally targeted census tracts get lower First Place rates and do not require first-time buyer status.","description":"A non-obvious, actionable tip","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programSlug":{"name":"programSlug","fieldType":"string","value":"mhdc-first-place-loan-program","description":"Stable program slug within the portal","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programUrl":{"name":"programUrl","fieldType":"string","value":"https://opengrants.io/grants-in-missouri/#p-mhdc-first-place-loan-program","description":"Program card on the portal page","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"opengrantsListingUrl":{"name":"opengrantsListingUrl","fieldType":"string","value":"https://mhdc.com/services/homebuyer-programs/first-place/","description":"Listing URL on the bound OpenGrants record","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"record","description":"record, upstream, pending-import or none","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"verifiedOn":{"name":"verifiedOn","fieldType":"string","value":"2026-11-03","description":"Date the official page was last checked","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cardStatus":{"name":"cardStatus","fieldType":"string","value":"published","description":"published, needs_review or retired","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-11-04T05:37:42.551732+00:00","lastModifiedAt":"2026-11-09T12:40:40Z","competitions":[],"awards":[]}}