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Get Matched Free →LHC Resilience Soft Second Program
Funding status: Active
How much assistance
Up to $55,000 plus up to $5,000 for closing costs (up to $60,000 total)
Fully forgiven after 10 years of owner-occupancy. Borrower must not sell, refinance, or move out during the 10-year period.
Eligibility
- Income limits: At or below 80% of Area Median Income (AMI). Up to 140% AMI if property is in a Targeted Area (Qualified Census Tract).
- First-time buyer required: Yes — Must not have owned a home in the past 3 years.
- Credit score minimum: 640
- Geographic restrictions: Available in Louisiana parishes that have received a federal disaster declaration.
- Homebuyer education required: Yes
How to Apply for LHC Resilience Soft Second Program
Contact an LHC-approved participating lender to apply. Complete a HUD-approved homebuyer education course. The lender will determine eligibility and process the soft second mortgage alongside your first mortgage.
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