Are you a first-time homebuyer in Louisiana? This comprehensive guide is your essential resource, offering specialized assistance programs and valuable information exclusively tailored for residents of the Pelican State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership in Louisiana more attainable.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Louisiana Housing Corporation: Mortgage Credit Certificate | Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers that can meet income requirements | Tax credit |
| Market Rate Conventional Program | Up to 4% of home loan used for down payment and closing costs assistance | Homebuyers that can meet income and credit score requirements | Loan |
| Market Rate GNMA Program | Up to 4% of home loan used for down payment and closing costs assistance | Homebuyers that can meet income and credit score requirements | Loan |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Acadia | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Allen | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Ascension | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Avoyelles | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Beauregard | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Bienville | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Bossier | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Caddo | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Calcasieu | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Caldwell | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Caldwell | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| Catahoula | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Chatahoula | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| Claiborne | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Concordia | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| De Soto | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| East Baton Rouge | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| East Carroll | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| East Carroll | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| East Feliciana | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Evangeline | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Franklin | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| Franklin | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Grant | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Iberia | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Iberville | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Jackson | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Jefferson | First Time Homebuyer Program | Up to $50,000 iin down payment assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Jefferson Davis | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Jefferson Parish | Southern Mortgage Assistance Program | Up to 4% of home loan used for down payment and closing costs assistance | Homebuyers who do not make more than $80,960 in annual income and puchase a home in Jefferson, St. Charles, St. Tammany, and St. Bernard Parishes | Grant |
| Lafayette | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| LaSalle | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Lincoln | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Livingston | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Madison | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| Madison | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Morehouse | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| Morehouse | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Natchitoches | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Ouachita | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| Ouachita | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Pointe Coupee | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| Pointe Coupee | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Rapides | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Red River | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Richland | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| Richland | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Sabine | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| St. Helena | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| St. James | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| St. Landry | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| St. Martin | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| St. Tammany | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Tangipahoa | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Tensas | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| Union | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Vermilion | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Vernon | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Washington | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Webster | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| West Baton Rouge | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| West Carroll | Louisiana Housing Corporation: Delta 100 Program | Primary home loan that includes up to 3% in down payment and closing costs assistance | First time homebuyers with no minimum credit score and can meet income requirements | Home loan with a 2% interest rate |
| West Carroll | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| West Feliciana | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Winn | Louisiana Housing Corporation: Resilience Soft Second Loan | Up to $60,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Alexandria | CDBG Homebuyer Assistance Program | Down payment assistance - amount not specified | Not specified | Not specified |
| Kenner | First Time Homebuyers Assistance Program | Up to $50,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgibable, deferred loan |
| Lake Charles | CDBG Down Payment and Closing Costs Assistance | Down payment and closing costs assitance - amount not specified | First time homebuyer who meets income requirements | Not specified |
| Layafette | LPTFA First Time Homebuyers Program | Up to $8,000 in down payment and closing costs assistance | First time homebuyer who meets income requirements | Loan with a 5% interest rate |
| New Orleans | Direct Homebuyer Assistance Program | Up to $50,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Second mortgage |
| Shreveport | Home Owner Assistance | Up to 20% of home loan used for down payment and closing costs assistance | First time homebuyers that can meet income requirements | Not specified |
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