How to apply for St. Charles Urban County Home Improvement Loan Program in Missouri
St. Charles County Community Development (CDBG) — administered with the City of St. Charles
Who it's for
The Home Improvement Loan Program helps low- and moderate-income homeowners pay for repairs on the home they live in. It offers up to $7,500 as a 0% interest loan that is forgiven after five years, with no closing costs. Repairs can include roof, electrical, plumbing, water heater, furnace or air conditioner, windows, siding, insulation, foundation, hazardous trees, and handicap accessibility. You must own and live in a single-family or two-family home and have lived there at least one year. The program serves unincorporated St. Charles County and the cities of St. Peters, St. Charles, Lake Saint Louis, Cottleville, Wentzville, Weldon Spring, Augusta, Dardenne Prairie, and St. Paul. In 2026 household income must be $62,400 or less for one person ($71,300 for two, up to $103,400 for six). Apply online through the county page, or call 636-949-3214.
Only homes in unincorporated St. Charles County or the participating cities qualify; O'Fallon runs its own program. Loans are approved case by case after a home inspection, and work started before approval is not paid for. If you sell or move within five years, the full loan must be repaid. Larger households have higher income limits than the ones used here.
People who qualify for one senior program often qualify for others. See everything you may qualify for — free, no SSN, about five minutes.
Discover my benefitsWhat you'll need
- Proof that you own the home and have lived in it at least one year
- Proof of gross income for everyone in the household
- Three bids from a licensed contractor for the repair work
Where to apply
Apply online: official application
By phone: 636-949-3214
What to say when you call
"Hello, I'm calling to ask about St. Charles Urban County Home Improvement Loan Program. I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof that you own the home and have lived in it at least one year, proof of gross income for everyone in the household, three bids from a licensed contractor for the repair work — is anything else required? What is the best next step?"
Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.
Renewals
one-time per repair project
Not sure if you qualify? Run a free check first.
Discover my benefitsNot legal or financial advice. The agency makes the final eligibility decision.