See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 7, 2026
Homebuyer Programs in Bossier City, LA (2026)
Bossier City is the second-largest city in the Shreveport-Bossier metro area, located in Bossier Parish in northwest Louisiana. With a median home price around $215,000, the city offers affordable homeownership well below national averages. While Bossier City does not currently offer a city-funded down payment assistance program, buyers here can take advantage of several generous Louisiana state programs. The LHC Pathways to Homeownership Soft Second and LHC Resilience Soft Second each offer up to $60,000 in forgivable assistance. The LHC MRB Home Program provides 5% to 9% of the mortgage amount as a grant, and the LHC Preferred Conventional Program adds up to 4% of the purchase price. Essential workers including teachers, first responders, and healthcare employees can access the LHC Keys for Service Program for 4% of the loan amount. Habitat for Humanity of Northwest Louisiana also serves Bossier Parish with affordable homeownership opportunities.
State Programs in Louisiana
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| LHC Keys for Service Program | Forgivable Loan | 4% of loan amount for down payment and closing costs | No | View → |
| LHC MRB Home Program | Grant | 5% to 9% of mortgage amount for down payment and closing costs | Yes | View → |
| LHC Pathways to Homeownership Soft Second | Forgivable Loan | Up to 20% of purchase price (up to $55,000) plus up to $5,000 for closing costs (up to $60,000 total) | Yes | View → |
| LHC Preferred Conventional Program | Grant | Up to 4% of total purchase price | Yes | View → |
| LHC Resilience Soft Second Program | Forgivable Loan | Up to $55,000 plus up to $5,000 for closing costs (up to $60,000 total) | Yes | View → |
| Louisiana Mortgage Credit Certificate (MCC) | Tax Credit | Federal tax credit of up to 40% of annual mortgage interest, capped at $2,000 per year | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- 4% of loan amount for down payment and closing costs
- First-time only:
- No
- Type:
- Grant
- Amount:
- 5% to 9% of mortgage amount for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to 20% of purchase price (up to $55,000) plus up to $5,000 for closing costs (up to $60,000 total)
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to 4% of total purchase price
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $55,000 plus up to $5,000 for closing costs (up to $60,000 total)
- First-time only:
- Yes
- Type:
- Tax Credit
- Amount:
- Federal tax credit of up to 40% of annual mortgage interest, capped at $2,000 per year
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity of Northwest Louisiana | Zero-Interest Loan | Affordable home sold at no profit with a zero-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home sold at no profit with a zero-interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most Louisiana Housing Corporation programs require household income at or below 80% of the area median income. Some programs like the LHC Keys for Service are available to essential workers earning under $125,000 regardless of first-time buyer status.
Step 2: Complete homebuyer education. Catholic Charities of North Louisiana offers homebuyer education classes at 902 Olive Street in Shreveport. Call (318) 865-0200 to register for upcoming sessions.
Step 3: Get pre-approved with an LHC participating lender. Ask specifically about the LHC MRB Home Program (5% to 9% grant), Pathways to Homeownership Soft Second (up to $60,000 forgivable), and the Resilience Soft Second (up to $60,000 forgivable). Your lender can help determine which programs you qualify for.
Step 4: If you are a teacher, first responder, or healthcare worker, ask your lender about the LHC Keys for Service Program, which provides 4% of the loan amount toward down payment and closing costs with no first-time buyer requirement.
Step 5: Explore Habitat for Humanity of Northwest Louisiana if you meet low-income guidelines. Contact them at (318) 868-8040 or visit their office at 106 East Kings Highway, Suite 206 in Shreveport.
Step 6: Find a home within program limits and submit your application through your LHC participating lender. State programs have purchase price and income limits that vary by parish.
Frequently Asked Questions
How much down payment assistance can I get in Bossier City?+−
Does Bossier City have its own down payment assistance program?+−
Do I have to be a first-time homebuyer to qualify?+−
What homebuyer education is required?+−
What is the difference between programs available in Bossier City versus Shreveport?+−
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