See programs you qualify for
Get Matched Free →St. Bernard Parish Home Mortgage Authority Soft Second Program
Funding status: Limited
How much assistance
Up to $35,000 (up to $30,000 soft second + up to $5,000 closing cost grant)
Soft second loan forgiven after 5 years of continuous owner occupancy
Eligibility
- Income limits: Household income at or below 120% of Area Median Income
- Purchase price limit: $200,000
- First-time buyer required: Yes — No homeownership in a principal residence during the 3 years prior to purchase. Includes spouse — if either meets the test, both qualify.
- Geographic restrictions: St. Bernard Parish
- Homebuyer education required: Yes
How to Apply for St. Bernard Parish Home Mortgage Authority Soft Second Program
Step 1: Verify you meet the first-time homebuyer definition (no homeownership in prior 3 years) and income requirements.
Step 2: Contact the St. Bernard Parish Department of Housing and Redevelopment at (504) 278-4340.
Step 3: Attend a homebuyer education course as required by the program.
Step 4: Get pre-approved with a participating lender.
Step 5: Find a home in St. Bernard Parish priced at or below $200,000.
Step 6: Submit your complete application with required documentation including income verification and purchase agreement.
Free eligibility check
See every program you may qualify for
How soon are you looking to buy?
Question 1 of 6
housebuyerguides