Missouri Door-to-Door Home Improvement Consumer Credit Contract
MISSOURI DOOR-TO-DOOR HOME IMPROVEMENT CONSUMER CREDIT CONTRACT
Before you use this: This form covers an in-home consumer credit sale of home-improvement services within Mo. Rev. Stat. § 407.700. It also supplies the federal door-to-door cancellation forms for a covered sale. Confirm both laws apply. The Missouri cancellation period excludes Saturdays, Sundays, and legal holidays; the federal rule counts Saturdays but excludes Sundays and federal holidays. Fill each cancellation deadline to honor the later applicable date. Print the Missouri statement and federal notices in bold type of at least 10 points, give the buyer a completed contract copy and both completed federal forms at signing, and tell the buyer orally about cancellation. Use the entire contract and notices in the language principally used for the oral sales presentation.
Substantial-remodel check: If the work qualifies as a remodel of a residence and the total project cost exceeds half the residence's assessed value for property tax purposes when this contract is made, give the homeowner the conspicuous Missouri construction-defect notice addendum when signing. See Mo. Rev. Stat. § 436.350(9) and § 436.353(1).
Date buyer signs (transaction date): [__/__/____]
Buyer: [FULL NAME] Property address: [STREET, CITY, MISSOURI ZIP]
Seller / contractor legal name: [FULL LEGAL NAME]
Seller's permanent business and cancellation mailing address: [STREET, CITY, STATE ZIP]
Seller telephone and email: [PHONE; EMAIL]
1. Work and materials
Seller will perform the following home-improvement work at the Property: [SPECIFIC SCOPE, LOCATIONS, MEASUREMENTS, MATERIALS, BRAND/MODEL, FINISH, AND CLEANUP].
Plans and specifications incorporated: [IDENTIFY DATED ATTACHMENTS OR "NONE"].
Work excluded: [SPECIFIC EXCLUSIONS]. Permits and inspections to be obtained by: [PARTY AND RESPONSIBILITY].
Seller will begin on or about [DATE] and substantially complete by [DATE], subject to a written change order signed by both parties for any changed scope, price, or schedule. Seller will notify Buyer of a proposed change before performing changed work.
2. Price and credit terms
Cash price of the work: $[AMOUNT]. Down payment: $[AMOUNT] due [DATE].
The remaining price will be paid under the attached consumer credit terms identified as [DOCUMENT TITLE AND DATE]. The parties attach the complete payment schedule and any required credit disclosures before signing. Amount financed: $[AMOUNT]. Finance charge, if any: $[AMOUNT]. Total of payments: $[AMOUNT]. Installment count and due dates: [DETAILS OR ATTACHED SCHEDULE].
No oral change alters this price or payment schedule. An additional charge requires a written change order stating its amount and effect on the schedule.
3. Cancellation rights and delivery
Buyer may cancel this covered home solicitation sale by written notice to Seller at the cancellation address above through midnight on [DATE], which is at least the third Missouri business day after the transaction date. A mailed cancellation is given when properly addressed, postage prepaid, and deposited in a mailbox. No particular form of written cancellation is required. The two detachable federal forms below are supplied as additional means of giving notice.
Seller acknowledges that the required contract copy, the Missouri statement below, and two completed federal cancellation forms were delivered to Buyer at signing. Seller also told Buyer orally about the cancellation right. No provision of this Contract waives a cancellation right.
Missouri statutory notice of cancellation
NOTICE OF CANCELLATION
Transaction date: [__/__/____]
If this agreement was solicited at your residence and you do not want the goods or services, you may cancel, without further obligation, this agreement by mailing a notice to the seller at the address as shown below, within 3 business days following the above date. You shall return the goods to seller in substantially the same condition as when you obtained them. Seller will then cancel all contracts and negotiable instruments executed by you and return any property given by you to seller within 10 days from date of transaction. If seller does not pick up the purchased goods within 20 days from date of your cancellation, you may retain or dispose of the goods without any further obligation.
The notice must be mailed to: [SELLER FULL LEGAL NAME; STREET, CITY, STATE ZIP]
Missouri cancellation clarification: The notice above uses the wording prescribed by § 407.710. Under §§ 407.715–.720, Seller must tender payments, canceled debt instruments, and traded goods within ten calendar days after cancellation. Buyer need only tender delivered goods on Seller's demand at Buyer's residence; if Seller does not demand them within a reasonable time, Buyer may keep them. Twenty days is presumed reasonable.
Signatures
You, the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.
Buyer signature: ______________________________ Date signed: [__/__/____]
Seller authorized signature: ______________________________ Date: [__/__/____]
Buyer received a completed contract copy and two completed federal cancellation forms on: [__/__/____]
Federal notice of cancellation — copy 1 for Buyer
NOTICE OF CANCELLATION
Transaction date: [__/__/____]
You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.
If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.
If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk.
If you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.
To cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to [SELLER LEGAL NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [CANCELLATION DEADLINE].
I HEREBY CANCEL THIS TRANSACTION.
Date of cancellation: [__/__/____]
Buyer signature: ______________________________
Federal notice of cancellation — copy 2 for Buyer
NOTICE OF CANCELLATION
Transaction date: [__/__/____]
You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.
If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.
If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk.
If you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.
To cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to [SELLER LEGAL NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [CANCELLATION DEADLINE].
I HEREBY CANCEL THIS TRANSACTION.
Date of cancellation: [__/__/____]
Buyer signature: ______________________________
Official sources
About this template
- Last updated
- November 13, 2026
- Citations checked
- November 2, 2026
- Jurisdiction
- Missouri
- Category
- Contracts & Agreements
Legal authority
- Mo. Rev. Stat. § 407.700
- Mo. Rev. Stat. § 407.705
- Mo. Rev. Stat. § 407.710
- Mo. Rev. Stat. § 407.715
- Mo. Rev. Stat. § 407.720
- 16 C.F.R. § 429.0
- 16 C.F.R. § 429.1
A contract is a written record of what two or more parties agreed to and what happens if someone does not follow through. Clear language, defined terms, and clean signature blocks keep disputes small and enforceable. The most common mistakes in contracts come from vague promises, missing details about timing or payment, and skipping standard protective clauses like governing law and dispute resolution.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
A reviewer verified this template's legal citations against the official source on November 2, 2026.
Mo. Rev. Stat. § 407.700 (checked November 2, 2026): "a consumer credit sale of goods, or services, except the sale of real property or interest therein"
Mo. Rev. Stat. § 407.705(1)-(2) (checked November 2, 2026): "the buyer has the right to cancel a home solicitation sale until midnight of the third business day after the day on which the buyer signs an agreement"
Mo. Rev. Stat. § 407.705(2) (checked November 2, 2026): "Notice of cancellation, if given by mail, is given when it is deposited in a mailbox properly addressed and postage prepaid."
Mo. Rev. Stat. § 407.705(1) (checked November 2, 2026): "the term "business day" shall mean any day except Saturday, Sunday, and legal holidays."
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