What types of down payment assistance are available in Louisiana?

Louisiana offers 33 programs including 8 grants (no repayment required), deferred loans (no monthly payments), forgivable loans, and second mortgages. Each type has different repayment requirements.

What credit score do I need for down payment assistance in Louisiana?

As low as 640 for some programs. Requirements vary. Most programs accept 620-660.

Louisiana Down Payment Assistance Programs (2026)

Q: How much down payment assistance can I get in Louisiana?

Up to $60,000 through available programs. Top programs: Direct Homebuyer Soft Second Mortgage Assistance Program ($60,000), Pathways Soft Second Program ($60,000), Resilience Soft Second Program ($60,000). Multiple programs can often be combined for even more assistance.

Last updated: April 2026 | By Down Payment Scout team

Louisiana offers 33 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 8 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.

Maximum assistance available reaches $60,000 through the most generous program. Credit score requirements start as low as 640 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.

Top Down Payment Assistance Programs in Louisiana

Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.

Direct Homebuyer Soft Second Mortgage Assistance Program

open

City of New Orleans Office of CommunityDevelopment

$60,000

deferred loan📍 Orleans

Pathways Soft Second Program

verify

Louisiana Housing Corporation

20 (max $60,000)

deferred loan📍 Acadia, Allen, Ascension, Assumption, Beauregard, Caddo, Cal...

Resilience Soft Second Program

verify

Louisiana Housing Corporation

20 (max $60,000)

deferred loan📍 Acadia, Allen, Ascension, Avoyelles, Beauregard, Bienville, ...

New Orleans Direct Homebuyer Program

verify

City of New Orleans

UP TO $35,000 forgivable second mortgage + $5,000 closing costs

forgivable loan📍 New Orleans

The Green Mortgage Downpayment Assistance Program

open

Finance New Orleans

5 (max $25,000)

deferred loan📍 Orleans

Grant Programs (8)

Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.

Down Payment Assistance

Confederated Tribes of Grand Ronde - Housing

open

20 (max $20,000)down payment assistance

agencygrant📍 Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Cu...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: grant
Profession: All
Homebuyer Ed.: Yes

Visit Program Website ↗

Heroes to Homeowners Program

Jefferson Parish Finance Authority

verify

$2,500down payment assistance

agencygrant📍 Jefferson

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: grant
Profession: All
Homebuyer Ed.: Yes

Visit Program Website ↗

Finance New Orleans (FNO) Expand to Homeownership

Finance New Orleans (FNO, formerly FANO)

verify

4% of loan amount as grantdown payment assistance

citygrant📍 New Orleans

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Based on HUD guidelines
Min Credit Score: 640+
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: grant
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Based on HUD guidelines

Check AMI limits for your county →

Repayment Terms

Grant. no repayment required

Additional Requirements

DTI max 45%

Notes

Check program requirements. Max DTI: 45%

Visit Program Website ↗

Baton Rouge Capital Advantage Program

Capital Area Finance Authority (CAFA)

verify

UP TO 5% of the final loan amountdown payment assistance

stategrant📍 Baton Rouge / East Baton Rouge Parish

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Income limits based on parish
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: grant
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Income limits based on parish

Check AMI limits for your county →

Repayment Terms

Grant. no repayment required

Notes

Check program requirements

Visit Program Website ↗

Finance Authority of St. Tammany Soft Second

Finance Authority of St. Tammany

verify

2% to 6% of the loan amountdown payment assistance

countygrant📍 St. Tammany Parish

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Income and purchase price limits apply
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: grant
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Income and purchase price limits apply

Check AMI limits for your county →

Repayment Terms

Grant. no repayment required

Notes

Check program requirements

Visit Program Website ↗

Capital Advantage

California Association of Fairs and Expositions

open

5down payment assistance

agencygrant📍 Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard,...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, Fannie Mae +1
Assistance Type: grant
Profession: All
Homebuyer Ed.: Yes

Visit Program Website ↗

Purchase Advantage

California Association of Fairs and Expositions

open

4down payment assistance

agencygrant📍 Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard,...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: FHA, VA, USDA-RD, Freddie Mac, Fannie Mae, USDA-RD +1
Assistance Type: grant
Profession: All
Homebuyer Ed.: Yes

Visit Program Website ↗

Down Payment Assistance

Finance Authority of St. Tammany Parish

verify

6down payment assistance

agencygrant📍 St. Tammany

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: grant
Profession: All
Homebuyer Ed.: Yes

Visit Program Website ↗

Forgivable Loans (4)

Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.

New Orleans Direct Homebuyer Program

City of New Orleans

verify

UP TO $35,000 forgivable second mortgage + $5,000 closing costsdown payment assistance

cityforgivable loan📍 New Orleans

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

80% AMI

Check AMI limits for your county →

Repayment Terms

Forgivable over 10 years

Notes

Check program requirements. Occupancy requirement: 10 years for full forgiveness

Visit Program Website ↗

LHC Keys for Service

Louisiana Housing Corporation (LHC)

verify

4% of the loan amount (or UP TO (max 4% of the loan amount (or UP TO $10,000))down payment assistance

stateforgivable loan📍 Statewide

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Varies
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: first responders, healthcare workers
Homebuyer Ed.: Not specified

Income Limits

Varies

Check AMI limits for your county →

Repayment Terms

Forgivable after 5 years

Additional Requirements

Must be active full-time employee in Education, First Responders, or Healthcare in Louisiana

Notes

Not required; targeted at service professionals. Occupancy requirement: 5 years for forgiveness

Visit Program Website ↗

Louisiana Housing Corporation (LHC) Homebuyer Programs

Louisiana Housing Corporation (LHC)

verify

UP TO 4% (sometimes UP TO 5% or 9% depending on the specific product) of the loan amountdown payment assistance

stateforgivable loan📍 Statewide

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Varies by parish and household size
Min Credit Score: 640+
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Varies by parish and household size

Check AMI limits for your county →

Repayment Terms

Second lien that may be forgivable or repayable depending on the specific option chosen

Notes

First-time and repeat homebuyers eligible. Occupancy requirement: Primary residence

Visit Program Website ↗

Lake Charles Down Payment Assistance Program

City of Lake Charles

verify

Varies, typically covering closing costs/down payment gapsdown payment assistance

cityforgivable loan📍 Lake Charles

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

At or below 80% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest loan forgivable after 5 years if the buyer occupies the home

Notes

Occupancy requirement: 5 years for forgiveness

Visit Program Website ↗

Deferred Payment Loans (19)

Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.

Direct Homebuyer Soft Second Mortgage Assistance Program

City of New Orleans Office of CommunityDevelopment

open

$60,000down payment assistance

agencydeferred loan📍 Orleans

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: $324,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Pathways Soft Second Program

Louisiana Housing Corporation

verify

20 (max $60,000)down payment assistance

agencydeferred loan📍 Acadia, Allen, Ascension, Assumption, Beauregard, Caddo, Cal...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium, Manufactured
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Resilience Soft Second Program

Louisiana Housing Corporation

verify

20 (max $60,000)down payment assistance

agencydeferred loan📍 Acadia, Allen, Ascension, Avoyelles, Beauregard, Bienville, ...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $271,164

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

The Green Mortgage Downpayment Assistance Program

Finance New Orleans

open

5 (max $25,000)down payment assistance

agencydeferred loan📍 Orleans

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: 4 units, Single-Family, Condominium, Townhouse/PUD, 2 units, 3 units
Max Price: $685,400

Quick Facts

Loan Types: FHA, VA, Freddie Mac, Fannie Mae
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Shreveport Home Ownership Assistance Program (HAPPI)

City of Shreveport

verify

20% of sales price or appraised value (max UP TO 20% of sales price or appraised value, capped at $10,000 for existing homes ($20,000 for new construction in targeted areas))down payment assistance

citydeferred loan📍 Shreveport

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

At or below 80% AMI

Check AMI limits for your county →

Visit Program Website ↗

Home in Monroe - Down Payment Assistance

City of Monroe

open

$5,000down payment assistance

agencydeferred loan📍 Ouachita

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

MRB Assisted

Louisiana Housing Corporation

verify

4down payment assistance

agencydeferred loan📍 Acadia, Allen, Ascension, Assumption

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $766,550

Quick Facts

Loan Types: FHA, VA, USDA-RD, Freddie Mac, Fannie Mae
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

CAFA First Home

California Association of Fairs and Expositions

open

4down payment assistance

agencydeferred loan📍 Acadia, Ascension, Assumption, Avoyelles, Bossier, Caddo, Ca...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $588,104

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4, Fannie Mae +1, USDA-RD, Fannie Mae +3, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

CAFA Gold 100

California Association of Fairs and Expositions

open

6down payment assistance

agencydeferred loan📍 Acadia, Allen, Ascension, Avoyelles, Beauregard, Bienville, ...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, Fannie Mae +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

CAFA Platinum

California Association of Fairs and Expositions

open

5down payment assistance

agencydeferred loan📍 Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: FHA, VA, USDA-RD, Freddie Mac, Fannie Mae
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Eustis Edge

California Association of Fairs and Expositions

open

6down payment assistance

agencydeferred loan📍 Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard,...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Home Buyers Assistance Program Participation Initiative (HAPPI)

City of Shreveport - Community Development

open

20down payment assistance

agencydeferred loan📍 Caddo

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Comfort of Home Program

Jefferson Parish Finance Authority

verify

4down payment assistance

agencydeferred loan📍 Jefferson, Plaquemines, St. Bernard, St. Charles, St. Tamman...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Series 2023 Single Family Revenue Bond Program

Jefferson Parish Finance Authority

verify

4down payment assistance

agencydeferred loan📍 Jefferson, St. Tammany

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD, Manufactured
Max Price: $624,481

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Delta 100 Program

Louisiana Housing Corporation

verify

3down payment assistance

agencydeferred loan📍 Caldwell, Catahoula, Concordia, East Carroll, Franklin, Madi...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: Not specified

Quick Facts

Loan Types: Delta 100 Program (80%), Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

MRB Home

Louisiana Housing Corporation

verify

9down payment assistance

agencydeferred loan📍 Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard,...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $507,849

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

Premier Program

Louisiana Housing Corporation

verify

5down payment assistance

agencydeferred loan📍 Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard,...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD, Manufactured
Max Price: Not specified

Quick Facts

Loan Types: FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

Chenoa Fund FHA Down Payment Assistance Forgivable

CBC Mortgage Agency (Chenoa Fund)

verify

5down payment assistance

agencydeferred loan📍 US

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
Max Price: $766,550

Quick Facts

Loan Types: FHA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Visit Program Website ↗

Chenoa Fund FHA Down Payment Assistance Repayable

CBC Mortgage Agency (Chenoa Fund)

verify

5down payment assistance

agencydeferred loan📍 US

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
Max Price: $766,550

Quick Facts

Loan Types: FHA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Note rate 1% above the first mortgage note rate

Repayment Terms

This loan does require a monthly payment on the second mortgage.

Visit Program Website ↗

Second Mortgages (2)

These programs provide DPA as a second mortgage, sometimes with monthly payments, sometimes deferred.

Lafayette First-Time Home Buyer Down Payment Assistance

City of Lafayette

open

UP TO $11,000down payment assistance

citysecond mortgage📍 Lafayette

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Income limits apply
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: second mortgage
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Income limits apply

Check AMI limits for your county →

Interest Rate

Repayment Terms

Secured by a second mortgage with a 2% interest rate, repayable over 15 years

Additional Requirements

Must complete the Home Ownership Training (HOT) course

Visit Program Website ↗

Jefferson Parish Finance Authority (JPFA) Southern Mortgage Assistance Program

Jefferson Parish Finance Authority (JPFA)

verify

3% or 4% of the loan amountdown payment assistance

countysecond mortgage📍 Jefferson Parish

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Income limits apply
Min Credit Score: 640+
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: second mortgage
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Income limits apply

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest second mortgage, forgiven after 5 years

Notes

Check program requirements. Occupancy requirement: 5 years for forgiveness

Visit Program Website ↗

How to Apply for Down Payment Assistance in Louisiana

1

Check Your Eligibility

Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
2

Contact the Program Administrator

Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
3

Get Pre-Approved with a Participating Lender

Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
4

Complete Homebuyer Education (If Required)

Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
5

Close & Move In

DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.

Frequently Asked Questions

How much down payment assistance can I get in Louisiana?

Up to $60,000 through available programs in Louisiana. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.

Do I need to be a first-time homebuyer?

Not always. 13 programs in Louisiana are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.

What credit score do I need?

As low as 640 for some programs. Most programs require 620-660. Higher credit scores may qualify you for more programs and better terms.

Can I combine multiple DPA programs?

In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.

DPA Programs in Nearby States

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All Louisiana Down Payment Assistance Programs

Program	Type	Amount	Region	Provider
Louisiana Housing Corporation (LHC) Homebuyer Programs	forgivable_loan	Up to 4% (sometimes up to 5% or 9% depending on the specific product) of the loan amount	Statewide	Louisiana Housing Corporation (LHC)
LHC Keys for Service	forgivable_loan	4% of the loan amount (or up to $10,000)	Statewide	Louisiana Housing Corporation (LHC)
Finance New Orleans (FNO) Expand to Homeownership	grant	Contact	New Orleans	Finance New Orleans (FNO, formerly FANO)
New Orleans Direct Homebuyer Program	forgivable_loan	Up to $35,000 forgivable second mortgage + $5,000 closing costs	New Orleans	City of New Orleans
Jefferson Parish Finance Authority (JPFA) Southern Mortgage Assistance Program	second_mortgage	Contact	Jefferson Parish	Jefferson Parish Finance Authority (JPFA)
Lake Charles Down Payment Assistance Program	forgivable_loan	Varies, typically covering closing costs/down payment gaps	Lake Charles	City of Lake Charles
Shreveport Home Ownership Assistance Program (HAPPI)	deferred_loan	Up to 20% of sales price or appraised value, capped at $10,000 for existing homes ($20,000 for new construction in targeted areas)	Shreveport	City of Shreveport
Lafayette First-Time Home Buyer Down Payment Assistance	second_mortgage	Up to $11,000	Lafayette	City of Lafayette
Baton Rouge Capital Advantage Program	grant	Up to 5% of the final loan amount	Baton Rouge / East Baton Rouge Parish	Capital Area Finance Authority (CAFA)
Finance Authority of St. Tammany Soft Second	grant	Contact	St. Tammany Parish	Finance Authority of St. Tammany
MRB Assisted	deferred_loan	Contact	Acadia, Allen, Ascension, Assumption	Louisiana Housing Corporation
CAFA First Home	deferred_loan	Contact	Acadia, Ascension, Assumption, Avoyelles, Bossier, Caddo, Calcasieu, Allen, Beauregard, Bienville	California Association of Fairs and Expositions
CAFA Gold 100	deferred_loan	Contact	Acadia, Allen, Ascension, Avoyelles, Beauregard, Bienville, Bossier, Caddo, Calcasieu, Caldwell	California Association of Fairs and Expositions
CAFA Platinum	deferred_loan	Contact	Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard	California Association of Fairs and Expositions
Capital Advantage	grant	Contact	Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard, Bienville, Bossier, Caddo, Calcasieu	California Association of Fairs and Expositions
Eustis Edge	deferred_loan	Contact	Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard, Bienville, Bossier, Caddo, Calcasieu, Caldwell	California Association of Fairs and Expositions
Purchase Advantage	grant	Contact	Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard, Bienville, Bossier, Caddo, Calcasieu, Caldwell	California Association of Fairs and Expositions
Home in Monroe - Down Payment Assistance	deferred_loan	$5,000	Ouachita	City of Monroe
Direct Homebuyer Soft Second Mortgage Assistance Program	deferred_loan	$60,000	Orleans	City of New Orleans Office of CommunityDevelopment
Home Buyers Assistance Program Participation Initiative (HAPPI)	deferred_loan	Contact	Caddo	City of Shreveport - Community Development
Down Payment Assistance	grant	Contact	St. Tammany	Finance Authority of St. Tammany Parish
The Green Mortgage Downpayment Assistance Program	deferred_loan	$25,000	Orleans	Finance New Orleans
Comfort of Home Program	deferred_loan	Contact	Jefferson, Plaquemines, St. Bernard, St. Charles, St. Tammany	Jefferson Parish Finance Authority
Heroes to Homeowners Program	grant	$2,500	Jefferson	Jefferson Parish Finance Authority
Series 2023 Single Family Revenue Bond Program	deferred_loan	Contact	Jefferson, St. Tammany	Jefferson Parish Finance Authority
Delta 100 Program	deferred_loan	Contact	Caldwell, Catahoula, Concordia, East Carroll, Franklin, Madison, Morehouse, Ouachita, Pointe Coupee, Richland, Tensas	Louisiana Housing Corporation
MRB Home	deferred_loan	Contact	Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard, Bienville, Bossier, Caddo, Calcasieu, Caldwell, Cameron, Catahoula, Claiborne, Concordia, De Soto, East Baton Rouge, East Carroll, East Feliciana	Louisiana Housing Corporation
Pathways Soft Second Program	deferred_loan	$60,000	Acadia, Allen, Ascension, Assumption, Beauregard, Caddo, Calcasieu, Cameron, East Baton Rouge, East Feliciana, Grant	Louisiana Housing Corporation
Premier Program	deferred_loan	Contact	Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard, Bienville, Bossier, Caddo, Calcasieu, Caldwell	Louisiana Housing Corporation
Resilience Soft Second Program	deferred_loan	$60,000	Acadia, Allen, Ascension, Avoyelles, Beauregard, Bienville, Bossier, Caddo, Calcasieu, Caldwell, Catahoula, Claiborne, DeSoto, East Baton Rouge, East Carroll, East Feliciana, Evangeline, Franklin, Grant	Louisiana Housing Corporation
Down Payment Assistance	grant	$20,000	Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam	Confederated Tribes of Grand Ronde - Housing
Chenoa Fund FHA Down Payment Assistance Forgivable	deferred_loan	Contact	US	CBC Mortgage Agency (Chenoa Fund)
Chenoa Fund FHA Down Payment Assistance Repayable	deferred_loan	Contact	US	CBC Mortgage Agency (Chenoa Fund)