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Home Buyers Assistance Program Participation Initiative (HAPPI)

Louisiana

Available Assistance

The maximum amount of assistance available with the program is up to 20 percent of the sales price or appraised value of the home, whichever is lesser, depending on the percentage of area median income.

Eligibility Requirements

To be considered eligible for HAPPI, all applicants must meet certain program requirements. Borrowers must be first-time homebuyers; those who have owned a home or held title to a property for three years or longer are not eligible. They must have an annual household income at or below 80 percent of the area median income as determined by HUD (limits shown below). Applicants are required to complete an approved homebuyer education class and must have sufficient credit to qualify with one of the city's HAPPI approved lenders.

Property Guidelines

Any home being purchased must serve as the borrower's primary residence. Properties must be eligible for HUD mortgage insurance or a specific insurance program and must meet minimum property standards. HUD, VA, repossessed properties or manufactured housing are not eligible under HAPPI.

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