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Homebuyer Assistance Program (HAP)

Louisiana

Available Assistance

Properties eligible for HAP assistance must be located in East Baton Rouge Parish, with the exclusion of properties located in Baker, Central and Zachary. Buyers must not have owned a home in the last 3 years, or qualify as a displaced homemaker or a single parent. Must attend an HUD approved homeownership eight-hour education course and receive a certificate upon completion. There must be evidence of down payment funds must be in bank accounts at time of application. If other assistance is received only $1,000 of personal funds will be required. The buyer is required to have two months of mortgage payments in bank account at time of closing. This amount excludes down payment closing funds. The applicant must have a job in the same field for at least one year and must have stable income. Household income cannot exceed 80 percent of the median income as established by HUD (Income of all persons 18 years and older must be included). Loan debt ratios must be between 33 and 42 percent of monthly income. Applicant’s credit score must be a minimum of 620. Collections, unpaid accounts, judgments and defaulted student loans are not acceptable.

Eligibility Requirements

1 person household: $36,700 (monthly income of $3,058)2 person household: $41,950 (monthly income of $3,495)3 person household: $47,200 (monthly income of $3,933)4 person household: $52,400 (monthly income of $4,366)5 person household: $56,600 (monthly income of $4,716)6 person household: $60,800 (monthly income of $5,066)7 person household: $65,000 (monthly income of $5,416)8 person household: $69,200 (monthly income of $5,766)9 person household: $73,400 (monthly income of $6,116)10 person household: $77,600 (monthly income of $6,466)

Property Guidelines

none

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