Tell us the parish, the income, and the address
Program and regulatory figures verified October 5, 2026. Details change; confirm your scenario with us.
The fastest way to a useful answer is your parish, roughly what you earn, and the property address if you have one.
What should I send?
Parish, approximate household income, whether you have owned a home in the last three years, and the property address if you have one.
That lets us check in one pass whether your parish is one of the 47 on the HomeStart Plus list, which of the four income tests you clear, whether the address sits in a Special Flood Hazard Area, and whether a parish authority adds anything.
What comes back?
Which programme fits, what the assistance comes to at your price, and an honest read on the conditions attached — particularly on HomeStart Plus, where the flood zone, the 28–33% ratio window and the two-week environmental review all need to be in your timeline rather than discovered in week three.
★ If you were quoted earlier in 2026 under the old programme names, that is worth re-running. Keys for Service became HomeStart Advantage on 09/09/2026 and dropped its occupation requirement at the same time, so a file that did not work in August may work now. What changed.
Do you lend across all of Louisiana?
Yes, statewide across all 64 parishes, which all sit at the same $832,750 conforming loan limit. What varies is whether your parish is on the HomeStart Plus list, which of the four income tests applies, whether a targeted-area designation raises your limits on HomeStart Assist, and whether CAFA or JPFA add an option where you are buying.
Frequently asked questions
How do I apply for Louisiana down payment assistance?
Through a participating lender. LHC's programmes are administered by eHousing Plus, and the assistance second mortgage is reserved alongside the first mortgage. Homebuyer education must be completed through a HUD-approved counselling agency or approved online provider before closing.Do you lend across all of Louisiana?
Yes, statewide across all 64 parishes, which all sit at the same $832,750 conforming loan limit. What varies is whether your parish is among the 47 eligible for HomeStart Plus, which income test applies, and whether a parish authority such as CAFA or JPFA adds an option.I was quoted on Keys for Service earlier this year — is that still valid?
The programme was renamed HomeStart Advantage on 09/09/2026 and its occupation requirement was removed at the same time, so it is worth re-running. LHC states that loans reserved before 09/09/2026 follow the former Keys for Service guidelines.How quickly will someone respond?
Our team reviews every Louisiana scenario and reaches out shortly, usually with the programme that fits, the parish rules that apply, and an honest read on the conditions attached. If something is time sensitive, calling (480) 296-6513 is faster than the form.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal or tax advice. Louisiana Housing Corporation programme terms, income limits and purchase price limits are set by LHC and change; figures here carry the date we verified them against LHC's published documents. LHC assistance is a zero-interest forgivable second mortgage, forgiven only if occupancy and programme requirements are maintained. Federal recapture tax may apply on HomeStart Assist bond loans; consult a tax advisor. Loans are subject to borrower and property qualification.