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Louisiana program

LHC MRB Assisted Program

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.

0% soft second forgiven monthly over five years Check official rules 2026-04-21
Agency Louisiana Housing Corporation
Support type 0% soft second forgiven monthly over five years
Amount highlight Current MRB Assisted guidelines describe 4% of the final loan amount as down payment and closing-cost assistance.
Last verified 2026-04-21

Use carefully

Targeted-area and conventional-loan limit rules are not one single table

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

MRB Assisted is live and detail-safe, but buyers should read the current limits sheet together with the guidelines because targeted areas and conventional-loan lanes do not use one identical income-cap rule.

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 MRB Assisted guidelines describe 4% of the final loan amount as down payment and closing-cost assistance.

Type

0% soft second forgiven monthly over five years

Repayment

MRB Assisted uses a 0% second mortgage with a five-year term. Current guidelines say the balance is forgiven at 1/60 per month while the buyer continues to occupy the home as a principal residence. If the property is sold, refinanced, transferred, or no longer owner-occupied before the five-year period ends, the unforgiven balance becomes due.

First-time buyer

Varies

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?

Louisiana buyers purchasing a one-unit principal residence, First-time homebuyers in non-target areas, with targeted-area flexibility under the current limits sheet, Borrowers using an approved lender that has completed MRB training, Buyers meeting the current credit, income, mortgage-limit, and underwriting rules

What support do you get?

Current MRB Assisted guidelines describe 4% of the final loan amount as down payment and closing-cost assistance.

Do you repay it?

MRB Assisted uses a 0% second mortgage with a five-year term. Current guidelines say the balance is forgiven at 1/60 per month while the buyer continues to occupy the home as a principal residence. If the property is sold, refinanced, transferred, or no longer owner-occupied before the five-year period ends, the unforgiven balance becomes due.

How do you apply?

Use an approved lender that has completed MRB training, complete National Industry Standards homebuyer education, reserve the assistance after contract, and deliver the compliance package before closing on a 30-year first mortgage.

Official source evidence

Current MRB Assisted guidelines describe 4% assistance as a 0% second mortgage forgiven at 1/60 per month over five years while the borrower keeps the home owner-occupied.

View official source

Last verified

2026-04-21

Current MRB Assisted guidelines and current daily-rates page

Paid preview

What paid access adds for LHC MRB Assisted Program

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

LHC MRB Assisted Program

Amount: Current MRB Assisted guidelines describe 4% of the final loan amount as down payment and closing-cost assistance.

Repayment: MRB Assisted uses a 0% second mortgage with a five-year term. Current guidelines say the balance is forgiven at 1/60 per month while the buyer continues to occupy the home as a principal residence. If the property is sold, refinanced, transferred, or no longer owner-occupied before the five-year period ends, the unforgiven balance becomes due.

First-time buyer: Varies

Risk checks preview

What gets flagged before you call a lender

  • LHC MRB Assisted Program requires a participating lender.
  • LHC MRB Assisted Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate LHC MRB Assisted Program for this household and loan setup?
  • Which first-mortgage product must be paired with LHC MRB Assisted Program, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official LHC MRB page for LHC MRB Assisted Program
  • 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

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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.

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Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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Full state board

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