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The First Place Home Buyer Program is near and dear to my heart. This is a Missouri government program to help first time home buyers with their down payment. As always you will need to qualify and the requirements change from time to time but the basic idea is the state of Missouri will give you up to 3% of the cost of your new home for the down payment. Because this is a grant you don't have to pay it back. If you are trying to get your first home and you live in Missouri "please" do yourself a favor and see if you qualify. It costs you nothing to check and could save you thousands of dollars on your first home.