Louisiana Down Payment Assistance Programs (2026, Verified)

Louisiana down payment assistance programs

Quick answer

Louisiana buyers can get down payment help from City of New Orleans Office of Community Development. Its Direct Homebuyer Soft Second Mortgage Assistance Program offers Up to $55,000 down payment assistance or up to $5,000 closing costs. Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

What down payment assistance does Louisiana offer?

Program	Amount	Type	Min. credit	First-time only?
Direct Homebuyer Soft Second Mortgage Assistance Program	Up to $55,000 down payment assistance or up to $5,000 closing costs	Deferred-payment loan	Not stated	Yes

How do I apply for Louisiana down payment assistance?

Find a participating lender approved by City of New Orleans Office of Community Development.
Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
Complete the required homebuyer education course.
Your lender reserves the assistance when you go under contract.

Cities in Louisiana

New Orleans Baton Rouge Shreveport Metairie Lafayette Lake Charles Kenner Bossier City Monroe Alexandria

Other states with verified programs

Alabama Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Idaho Illinois

Frequently asked questions

Direct Homebuyer Soft Second Mortgage Assistance Program: Up to $55,000 down payment assistance or up to $5,000 closing costs.

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.

Sources

City of New Orleans Office of Community Development — Direct Homebuyer Soft Second Mortgage Assistance Program (verified October 25, 2026)

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.