Communtiy Action Agency of St. Louis County, Inc.

A Community Action Agency
providing low-income people with
emergency and crisis intervention services.

Community Action Partnership
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Housing Assistance

CAASTLC has comprehensive housing assistance programs which includes Home Ownership, Housing Counseling, and Rent/Mortgage Assistance.

Home Ownership: CAASTLC has an Individual Development Account (IDA) program where all participating families successfully completing the program and saving their money have the opportunity to receive down payment assistance towards the purchase of a home. Participants work to improve their credit history, complete “financial fitness” curriculum and homebuyer education classes, and meet one-on-one with a HUD certified housing counselor. Participants are eligible for matching funds for the money they have saved. For more information, see Individual Development Accounts (IDA).

Down Payment Assistance for First Time Home Buyers

Financial assistance available to those who qualify and purchase a home;
St. Louis County: 0% interest deferred loan - $3,000 due upon sale or transfer
City of Florissant 0% interest 5 year forgivable loan up to $3,500.00
St. Charles City & County: 0% interest deferred loan - $5,000 due upon sale or transfer
City of O’Fallon: 0% interest deferred loan - $5,000 due upon sale or transfer

St. Charles County includes Cottleville, Dardenne Prairie, Lake St. Louis, St. Paul, St. Peters, Weldon Spring, Wentzville and all of unincorporated St. Charles County

  • Must complete homebuyer education and one-on-one counseling with “Homeownership Ready” status.
  • Must have at least $1,000 of own funds
  • Household income must not exceed 80% median income.
  • Must secure a fixed rate mortgage on the purchased home

The table below illustrates the income limits based on family size and 80% of area median and monthly income.

Housing Counseling is designed for:

  • Helping families stabilize their housing situation; 
  • Helping homeless families gain access to decent, safe, and affordable housing; 
  • Helping families move from rental housing to home ownership; 
  • Making the home buying process less complex for first-time home buyers; 
  • Making the mortgage process less expensive and less complex; and 
  • Educating homebuyers and homeowners about predatory lending practices. 

A housing counselor conducts an interview and an assessment to determine the housing needs of the household. Based on the assessment, the household receives one or more of the following services: 1) Homeless Intervention & Stabilization Services; 2) Rental Housing Services; 3) First-time Homebuyers; and 4) Home Ownership Program Services.

Please go to our "Calendar of Events" page for a complete listing of our Home Buyer and Financial Literacy classes. In addition to participants of our Home Ownership and Housing Counseling programs being required to attend these classes, all members of the general public are welcome to attend as well.

Rent/Mortgage Assistance is available on a limited basis when funding is available.  Assistance is available for rent or mortgage payments.  If you are interested, please call (314) 863-0015, ext. # 657.

Required documentation:

  • Proof of household income. 
  • Social security documentation for all household members. 
  • Photo identification for the head of the household. 
  • Proof of residency (must be living in St. Louis County). 
  • Eviction notice or delinquency notice from landlord or mortgage company or a signed lease for deposit assistance. 

Eligibility Requirements: 

For the IDA program, household income may not exceed 200% of the federal poverty guidelines.  Please go to our "Income Guidelines" page for a complete listing of income guidelines.