Louisiana First-Time Home Buyer Programs 2026
$35,000 DPA available through Louisiana Housing Corporation (LHC). LHC Soft-Second program offers up to $35K in DPA — one of the highest in the South.
Max Assistance
$35,000 DPA
Type
0% deferred loan
Min Credit
640+
Max Home Price
$400,000
Ready to apply for Louisiana assistance?
Get pre-approved in minutes — your lender will connect you with LHC programs automatically.
Louisiana First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| LHC Soft-Second Best — highest in South | Up to $35,000 | 0% deferred loan | 640+ | $78K–$108K |
| LHC Market Rate GNMA Rate + DPA combo | Rate discount | Below-market rate | 640+ | Same |
Eligibility Requirements
- ✓First-time buyer or 3-year rule
- ✓640+ credit score
- ✓Income within LHC limits
- ✓Homebuyer education required
- ✓Primary residence in Louisiana
Pro Tip
LHC programs available statewide: New Orleans, Baton Rouge, Shreveport, Metairie, Lafayette.
How to Apply for Louisiana Programs
Get Pre-Approved
Work with a LHC-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Louisiana Housing Corporation
LHC — Louisiana official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Louisiana?
The best program in Louisiana is the LHC Soft-Second, which offers Up to $35,000 as a 0% deferred loan. Minimum credit score: 640. Income limit: $78K–$108K.
How much down payment assistance is available in Louisiana?
Louisiana offers up to $35,000 DPA through Louisiana Housing Corporation (LHC). The assistance is structured as a 0% deferred loan. Income limits are $78,000–$108,000 depending on household size and county.
What credit score do I need for Louisiana first-time buyer programs?
Most Louisiana programs through LHC require a minimum credit score of 640. Some programs may accept lower scores with compensating factors. Check with an LHC-approved lender for your exact score requirements.
What is the income limit for Louisiana first-time buyer programs in 2026?
In 2026, Louisiana income limits are $78,000–$108,000 depending on household size and county. The home price limit is $400,000. These limits are set by Louisiana Housing Corporation.
Don't Leave $35,000 DPA on the Table
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