Housing   City of St. Louis		Agency/Program: Vashon-JVL Initiative  Neighborhood Home Repair Program Description: Provides loans for home repair. Loan amount varies. Limitations: Must own and occupy house for 6 months before applying. Must contribute 25% of costs. Organization pays 75% up to $10,000. Address: 2838 James "Cool Papa" Bell Ave. St. Louis, MO  63106 Phone: (314) 371-8585 Loan Type: Forgivable Maximum Income Guideline: 80% of Area Median Income This program is available in the following wards:   Wards 5 and 18 (Vandeventer neighborhood only) Household Size Maximum Income for this Program 1 $36,900.00 2 $42,200.00 3 $47,450.00 4 $52,700.00 5 $56,950.00 6 $61,150.00 7 $65,350.00 8 $69,600.00 If your income is higher than allowable under these guidelines, you may still qualify for assistance through the Missouri Housing Development Commission. Official Web Site of the City of St. Louis