Is saving for a down payment holding you back from owning a home?
Holy Rosary CU partners with the Federal Home Loan Bank of Des Moines to offer a down payment grant of up to $15,000 to members who:
- Have annual household income at or below 80% of median income for their area
- Are a first-time homeowner
- Have a sale contract on their intended home
- Complete an approved homebuyer education class, and
- Close their mortgage loan with us.*
Application and Timing
Limited funds are made available each quarter on a first-come, first-served basis. If you are eligible, the application will be completed by the credit union on your behalf as part of your mortgage loan process.
Ask your loan officer or Solid Foundations coach for more information about qualifying for a Home$tart grant.
2026 Home$tart Income Limits by Household Size
Note: Total household income must fall at or BELOW the limit for your area and household size to qualify for Home$tart.
| Area | 1 Person | 2 Person | 3 Person | 4 Person | 5 Person | 6 Person | 7 Person | 8 Person |
|---|---|---|---|---|---|---|---|---|
| KC Metro | $63,500 | $72,600 | $81,650 | $90,700 | $98,000 | $105,250 | $112,500 | $119,750 |
| St. Joseph Area | $51,350 | $58,700 | $66,050 | $73,350 | $79,250 | $85,100 | $91,000 | $96,850 |
Register for a Home$tart-Approved Home Buyer Education Course:
Freddie Mac CreditSmart
Want to take a deep dive into homeownership? Learn about bringing your credit up and keeping it there. Free self-paced online course, offered in English or Spanish.
Fannie Mae HomeView
Free self-paced online homeownership education, offered in English or Spanish.
*Disclosures: Offer availability is dependent on grant funds availability. Grant may be used toward a down payment and/or closing costs. First-time home buyer is an individual or an individual and her/his spouse who have not owned a home during the prior 3-year period unless they are a displaced homemaker or a single parent. The purchase of the home with down payment assistance requires that the grant recipient live in the home for five years. If the grant recipient lives in the house for less than five years, the purchaser will be obligated to return a portion of the grant based on the length of time the grant recipient owned the home.