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First-time home buyer programs in Belle Chasse, LA

Quick answer

First-time buyers in Belle Chasse, LA can use 3%-down conventional loans (up to the $832,750 Plaquemines Parish conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $361,800 median home, 3% down is about $10,854 and the estimated payment is $2,941/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $96,381; value-to-income ratio 3.75. Belle Chasse ranks 2 by home value and 53 by population among 57 places in our LA dataset.

What does a first-time buyer loan cost on a typical Belle Chasse home?

ItemBelle Chasse
Median home value (Census ACS)$361,800
Louisiana median home value$208,700
Down payment (3%)$10,854
Loan amount$350,946
Estimated monthly payment (PITI + MI)$2,941
Income needed (28% / 36%)$127,000 / $99,000
Plaquemines Parish 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Louisiana's 0.55% effective property tax rate (Census ACS), $3,027/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Belle Chasse?

Belle Chasse is in Plaquemines Parish. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Belle Chasse median home value of $361,800 is 73% above the Louisiana median, and within what the county limit supports.

Which down payment assistance programs can Belle Chasse buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

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First-time buyer loan FAQs for Belle Chasse

On the $361,800 median: 3% conventional ≈ $10,854, 3.5% FHA ≈ $12,663, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Plaquemines Parish become jumbo loans.

At the $361,800 median value (above the Louisiana median of $208,700), the estimated payment of $2,941/month at 7.18% needs about $127,000 a year under the 28% housing guideline, or $99,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 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.