{"status":200,"message":"Success","data":{"id":"ce04edcf-ac29-5788-b137-54428c6c8445","title":"Next Step Loan Program","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"cc661605-a8e1-491d-a0d5-a90ffaf1dfbb"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"mo:mhdc-next-step-loan-program"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"Varies — check official page"},"description":"The Next Step Program serves first-time and repeat homebuyers outside the First Place income limits, offering MHDC-set interest rates and an option for cash assistance toward down payment and closing costs, which MHDC's flyer describes as 100% forgivable. Loans come from MHDC Certified Lenders for eligible properties anywhere in Missouri, with no minimum down payment or loan amount. The flyer says it can be paired with the Mortgage Credit Certificate Program.","funding":{"details":"Varies — check official page"},"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/next-step/","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 within Next Step income and purchase limits, with a credit score of at least 640 (subject to change), a debt-to-income ratio up to 50%, who will occupy the home within 60 days; first-time buyer status is not required. First-time and repeat homebuyers whose income is above the First Place limits."},"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"],"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 and repeat homebuyers whose income is above the First Place limits.","description":"Notes on who may apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"MHDC mortgages with forgivable down payment and closing cost assistance for buyers over the First Place income limits.","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":"Varies — check official page","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: apply with an MHDC Certified Lender.","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":"MHDC sets the interest rates and allowable closing costs; 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