HomeStart Plus

LHC’s Commitment

In keeping with its mission to ensure that every Louisiana resident is granted an opportunity to obtain safe, affordable, energy-efficient housing, the LHC offers the HomeStart Plus program.

The Louisiana Housing Corporation (LHC) is now working with eHousing Plus to administer its homeownership programs. To reserve a loan, or to learn out more about our programs, please visit the eHousing Plus web portal.

Homestart Plus Program

DISASTER RECOVERY ASSISTANCE TO HELP ELIGIBLE LOUISIANA HOMEBUYERS PURCHASE A HOME

For Louisiana communities impacted by Hurricanes Laura, Delta, and Ida, rebuilding means more than repairing homes; it also means helping families regain the stability and security that comes with homeownership.

HomeStart Plus provides financial assistance to eligible homebuyers purchasing a home in a designated Louisiana parish affected by these hurricanes. The program uses Community Development Block Grant (CDBG) disaster recovery funds to help eligible households with the cost of purchasing a home.

Program Details

Combines a 30-year fixed-rate mortgage with substantial assistance toward the purchase of an eligible home.
Qualified homebuyers may receive:
- Up to 20% of the purchase price through a forgivable second mortgage.
- Up to $55,000 in second-mortgage assistance
- Up to $5,000 in closing-cost assistance.
- A 0% interest second mortgage that is forgiven monthly over 10 years (120 months).
Actual assistance is based on the homebuyer's eligibility, purchase price, and applicable program requirements.

Qualifications

First-time homebuyers who are purchasing a home in a designated parish affected by Hurricanes Laura, Delta, or Ida.
Household income requirements also apply. Projected annual household income may not exceed 80% of HUD Area Median Income (AMI), adjusted for household size and location of the property.
The minimum credit score is 640.
At least one occupying borrower must complete an approved homebuyer education course.
The home must meet applicable property, insurance, environmental, and flood requirements. Certain properties located in designated Special Flood Hazard Areas, including Flood Zones A, AE, or V, are not eligible under the program.
Homeowners must also maintain applicable homeowners and flood insurance requirements for the life of the second mortgage.

Your contributions

The minimum borrower contribution is the greater of 1% of the purchase price or $1,500.
The maximum borrower investment is the greater of 10% of the purchase price or $10,000, including the required minimum contribution.
Your participating lender can explain how these requirements apply to your specific purchase.

LHC's former pathways to homeownership program

If you reserved a loan in this program before 09/09/2026, please adhere to the Pathways to Homeownership Program guidelines found in the Resources section located at the bottom of the page.