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Get Matched Free →Homebuyer Programs in Laplace, LA (2026)
Laplace is a census-designated place in St. John the Baptist Parish, situated along the Mississippi River corridor between Baton Rouge and New Orleans. With a median home price around $185,000, Laplace offers affordable homeownership with convenient access to both major metro areas. St. John the Baptist Parish operates its own CDBG-funded Homebuyer Assistance Program for first-time buyers, and the CAFA Capital Advantage Program provides a non-repayable grant of up to 5% of the mortgage amount. Louisiana state programs like the LHC Pathways to Homeownership Soft Second add up to $60,000 in forgivable assistance. Laplace is also USDA-eligible, making zero-down-payment mortgages available to qualifying buyers.
Top Homebuyer Programs in Laplace
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| CAFA Capital Advantage Program | Grant | Non-repayable grant of up to 5% of original mortgage amount | No | View → |
| CAFA First Home Program | Grant | Down payment and closing cost assistance with below-market interest rate mortgage | Yes | View → |
| St. John the Baptist Parish Homebuyer Assistance Program | Grant | — | Yes | View → |
| 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 → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
| 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:
- Grant
- Amount:
- Non-repayable grant of up to 5% of original mortgage amount
- First-time only:
- No
- Type:
- Grant
- Amount:
- Down payment and closing cost assistance with below-market interest rate mortgage
- First-time only:
- Yes
- Type:
- Grant
- First-time only:
- Yes
- 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:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- 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
- 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
How to Apply
- Step 1:
Check your eligibility. Most programs require household income at or below 80% of the Area Median Income for St. John the Baptist Parish. The CAFA Capital Advantage Program requires a minimum 640 credit score and a debt-to-income ratio of 45% or less.
- Step 2:
Complete homebuyer education. The St. John the Baptist Parish Homebuyer Assistance Program requires 12 hours of homebuyer education from a Louisiana Homebuyer Training Collaborative certified provider. Contact St. John Parish Administration at 1811 W. Airline Hwy., LaPlace, LA 70068 for approved providers.
- Step 3:
Contact the parish and a participating lender. For the parish program, apply through the St. John Parish Administration. For CAFA and LHC programs, work with an approved lender listed on the CAFA or LHC websites.
- Step 4:
Get pre-approved for a mortgage. Your lender will determine which programs you qualify for. Laplace is USDA-eligible, so zero-down USDA loans may also be available.
- Step 5:
Find a home within program limits. Some programs have purchase price limits that vary by parish. Your lender can confirm the current limits for St. John the Baptist Parish.
- Step 6:
Submit your application and close. Once you have a signed purchase agreement, your lender will process all applicable assistance alongside your mortgage.