The Next Step Program gives potential first-time and repeat homebuyers outside the First Place income limits the edge they need to purchase a home. For potential homebuyers with limited savings, the program provides the option for cash assistance to be used for down payment and closing costs. Loans are provided by Certified Lenders for any eligible property in the state of Missouri. All interest rates and allowable closing costs are set by Missouri Housing Development Commission with no minimum down payment or minimum loan amounts.