Louisiana • First-Time Homeowner programs

First-Time Homeowner grants in Louisiana

Browse first-time homeowner grants available in Louisiana, including statewide and local programs.

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5 active programs in Louisiana

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Homeownership – Programs for Louisiana Homebuyers

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Louisiana Housing CorporationLAFirst-Time HomeownerFixed-rate first mortgage with optional down payment assistance, soft second loans, and mortgage tax credits

Updated: Dec 5, 2025

Statewide homeownership hub where LHC connects Louisiana buyers, lenders, and Realtors to its menu of affordable mortgages, down payment assistance, and tax-credit programs.

Eligible for: Low- to moderate-income Louisiana homebuyers purchasing a primary residence in the state who meet program-specific income and purchase-price…

Funding: Assistance levels vary by product; LHC programs commonly provide 3 to 4 percent of the loan amount or a portion of the purchase price as down payment and closing-cost help, plus potential tax credits that reduce federal income tax owed.Deadline: Rolling; statewide programs are offered year-round through approved lenders while funding and bond allocations remain available.RollingStatewidehomebuyerfirst-time homebuyerlow- to moderate-income homebuyerdown payment assistanceclosing cost assistancetax creditaffordable mortgage

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Delta 100 Program

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Louisiana Housing CorporationLAFirst-Time Homeowner30-year 2 percent fixed-rate first mortgage with up to 3 percent closing cost and prepaid assistance and no mortgage insurance

Updated: Dec 5, 2025

Parish-specific LHC program that offers 100% financing plus up to 3% in closing-cost assistance for first-time buyers in Delta parishes, targeting households with limited credit and savings.

Eligible for: Low- to moderate-income first-time homebuyers purchasing a single-family home in one of the designated Delta parishes; borrowers must meet L…

Funding: Offers up to 100 percent financing on the first mortgage plus up to 3 percent of the loan amount for closing cost and prepaid assistance for eligible first-time homebuyers in Delta parishes.Deadline: Rolling; available in designated Delta parishes while funds and program allocations remain.RollingParish-specificindividualfirst-time homebuyerlow- to moderate-income homebuyerdown payment assistanceclosing cost assistanceaffordable mortgage

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Down Payment Assistance Program – City of Lake Charles

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City of Lake Charles – Community Development DepartmentLAFirst-Time HomeownerDeferred down payment and closing cost assistance loan funded with Community Development Block Grant (CDBG) resources

Updated: Dec 5, 2025

Lake Charles’ Down Payment Assistance Program uses CDBG funds to provide up to $10,000 toward down payment and closing costs, helping income-qualified first-time buyers purchase homes within city limits.

Eligible for: Low- to moderate-income first-time homebuyers purchasing an owner-occupied home within the Lake Charles city limits who meet HUD income limi…

Funding: Provides up to 10000 dollars per loan to help with down payment and eligible closing costs for income-qualified first-time homebuyers.Deadline: Rolling; funds provided on a first-come, first-served basis while Community Development Block Grant (CDBG) allocations remain available.RollingLocalindividualfirst-time homebuyerlow- to moderate-income homebuyerdown payment assistanceclosing cost assistance

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Chenoa Fund – Louisiana Down Payment Assistance

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CBC Mortgage Agency – Chenoa FundLAFirst-Time HomeownerSecond mortgage down payment assistance for FHA-insured loans, forgivable or repayable depending on program tier

Updated: Dec 5, 2025

National Chenoa Fund down payment assistance offered in Louisiana, providing 3.5%–5% of the purchase price as a second mortgage on FHA loans, with options for forgivable or repayable assistance.

Eligible for: FHA borrowers in Louisiana with at least a 600 middle credit score who qualify for an FHA first mortgage and work with a Chenoa-approved len…

Funding: Provides 3.5 percent or up to 5 percent of the home purchase price or appraised value, whichever is lower, as down payment assistance on FHA-insured loans; assistance may be structured as a forgivable or repayable second mortgage.Deadline: Rolling; available in Louisiana through participating Chenoa Fund-approved lenders while program offerings remain active.RollingStatewidehomebuyerFHA borrowerdown payment assistanceclosing cost assistance

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MRB Home and Assisted Programs

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Louisiana Housing CorporationLAFirst-Time Homeowner30-year fixed-rate first mortgage with 4 to 9 percent down payment and closing cost assistance through subordinate financing

Updated: Dec 5, 2025

LHC’s MRB Home and Assisted Programs provide below- or market-rate 30-year fixed mortgages bundled with 4%–9% down payment and closing-cost assistance for Louisiana first-time homebuyers.

Eligible for: Primarily first-time homebuyers purchasing an owner-occupied home in Louisiana who meet MRB income limits (with caps tied to AMI), HOME purc…

Funding: MRB Assisted provides 4 percent of the mortgage amount in assistance, while MRB Home provides between 5 and 9 percent of the mortgage amount for down payment and closing costs.Deadline: Rolling; subject to MRB bond allocations and program funding availability.RollingStatewideindividualfirst-time homebuyerlow- to moderate-income homebuyerdown payment assistanceclosing cost assistanceinterest rate reduction

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