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Louisiana program

Louisiana Housing Corporation Keys for Service

Louisiana route through Louisiana Housing Corporation. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

5-year forgivable soft second mortgage Check official rules 2026-04-20
Agency Louisiana Housing Corporation
Support type 5-year forgivable soft second mortgage
Amount highlight Current Louisiana Housing materials say eligible borrowers can receive down payment and closing cost assistance equal to 4% of the final loan amount.
Last verified 2026-04-20

Use carefully

Current operating rules outrun older marketing copy

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

Older Louisiana Housing marketing still sounds responder- and teacher-focused, but the current daily-rates page says all employment types are acceptable. The public page follows the newer operating materials.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Louisiana program hub if you need the wider state context.

Amount

Current Louisiana Housing materials say eligible borrowers can receive down payment and closing cost assistance equal to 4% of the final loan amount.

Type

5-year forgivable soft second mortgage

Repayment

Current Louisiana Housing guides say the soft second mortgage carries 0% interest and is forgiven monthly at 1/60 per month over five years while the home remains owner-occupied. If the home is sold, refinanced, or otherwise exits the owner-occupied structure before full forgiveness, the unforgiven balance becomes due.

First-time buyer

Not required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

General homebuyers, All employment types are acceptable

What support do you get?

Current Louisiana Housing materials say eligible borrowers can receive down payment and closing cost assistance equal to 4% of the final loan amount.

Do you repay it?

Current Louisiana Housing guides say the soft second mortgage carries 0% interest and is forgiven monthly at 1/60 per month over five years while the home remains owner-occupied. If the home is sold, refinanced, or otherwise exits the owner-occupied structure before full forgiveness, the unforgiven balance becomes due.

How do you apply?

Apply through a Louisiana Housing approved lender that has completed MRB training, provide a legally binding purchase agreement and normal mortgage-underwriting documents, complete homebuyer education that meets National Industry Standards, and close while funds remain available on a first-come, first-served basis.

Official source evidence

Louisiana Housing's 2025 guide says Keys for Service provides a 4% soft second loan and forgives it monthly over 60 months, while the current daily-rates page says all employment types are acceptable effective 2024-09-10.

View official source

Last verified

2026-04-20

2025-02-26

Paid preview

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Comparison preview

Louisiana Housing Corporation Keys for Service

Amount: Current Louisiana Housing materials say eligible borrowers can receive down payment and closing cost assistance equal to 4% of the final loan amount.

Repayment: Current Louisiana Housing guides say the soft second mortgage carries 0% interest and is forgiven monthly at 1/60 per month over five years while the home remains owner-occupied. If the home is sold, refinanced, or otherwise exits the owner-occupied structure before full forgiveness, the unforgiven balance becomes due.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • Louisiana Housing Corporation Keys for Service requires a participating lender.
  • Louisiana Housing Corporation Keys for Service must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Louisiana Housing Corporation Keys for Service for this household and loan setup?
  • Which first-mortgage product must be paired with Louisiana Housing Corporation Keys for Service, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Keys for Service marketing page for Louisiana Housing Corporation Keys for Service
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Louisiana board

Paid research preview

What paid research already covers in Louisiana

Paid research already tracks city and county programs, specialty and conditional paths for Louisiana.

3 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

2 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

Open the full Louisiana board

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Full state board

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