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First-time home buyer programs in Creve Coeur, MO

Quick answer

First-time buyers in Creve Coeur, MO can use 3%-down conventional loans (up to the $832,750 St. Louis County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $566,100 median home, 3% down is about $16,983 and the estimated payment is $4,494/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $119,454; value-to-income ratio 4.74. Creve Coeur ranks 3 by home value and 42 by population among 87 places in our MO dataset.

What does a first-time buyer loan cost on a typical Creve Coeur home?

ItemCreve Coeur
Median home value (Census ACS)$566,100
Missouri median home value$215,600
Down payment (3%)$16,983
Loan amount$549,117
Estimated monthly payment (PITI + MI)$4,494
Income needed (28% / 36%)$193,000 / $150,000
St. Louis County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Missouri's 0.88% effective property tax rate (Census ACS), $1,589/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Creve Coeur?

Creve Coeur is in St. Louis County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Creve Coeur median home value of $566,100 is 163% above the Missouri median, and within what the county limit supports.

Which down payment assistance programs can Creve Coeur buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

Town and CountryMaryland HeightsOverlandSt. AnnKirkwoodUniversity City

First-time buyer loan FAQs for Creve Coeur

On the $566,100 median: 3% conventional ≈ $16,983, 3.5% FHA ≈ $19,814, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in St. Louis County become jumbo loans.

At the $566,100 median value (above the Missouri median of $215,600), the estimated payment of $4,494/month at 7.18% needs about $193,000 a year under the 28% housing guideline, or $150,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.