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Louisiana program

LHC MRB Home 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.

Grant with HOME affordability covenant Repay later on trigger 2026-04-21
Agency Louisiana Housing Corporation
Support type Grant with HOME affordability covenant
Amount highlight Current official HOME/MRB guidelines show grant assistance equal to 5% to 9% of the final loan amount for closing costs and required prepaid items, with a HOME affordability period rather than a soft-second repayment schedule.
Last verified 2026-04-21

Use carefully

Grant structure still carries a HOME affordability covenant

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

MRB Home should be described as a grant path, not as a forgivable or deferred second mortgage, but buyers still sign a HOME regulatory agreement with occupancy and transfer restrictions.

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 official HOME/MRB guidelines show grant assistance equal to 5% to 9% of the final loan amount for closing costs and required prepaid items, with a HOME affordability period rather than a soft-second repayment schedule.

Type

Grant with HOME affordability covenant

Repayment

MRB Home uses grant assistance rather than a soft second mortgage, but the buyer still signs a HOME regulatory agreement tied to the grant amount. Current guidelines impose a 5-year affordability period for assistance up to $15,000, 10 years for more than $15,000 up to $40,000, and 15 years above $40,000. During that period the property must remain the buyer's principal residence, and sale or refinance requires Louisiana Housing approval.

First-time buyer

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?

First-time homebuyers buying a one-unit primary residence in Louisiana, Households at or below 80% of HUD AMI under the current parish-by-household-size matrix, Borrowers using an approved lender that has completed MRB training

What support do you get?

Current official HOME/MRB guidelines show grant assistance equal to 5% to 9% of the final loan amount for closing costs and required prepaid items, with a HOME affordability period rather than a soft-second repayment schedule.

Do you repay it?

MRB Home uses grant assistance rather than a soft second mortgage, but the buyer still signs a HOME regulatory agreement tied to the grant amount. Current guidelines impose a 5-year affordability period for assistance up to $15,000, 10 years for more than $15,000 up to $40,000, and 15 years above $40,000. During that period the property must remain the buyer's principal residence, and sale or refinance requires Louisiana Housing approval.

How do you apply?

Apply through an approved lender that has completed MRB training, complete homebuyer education, reserve funds in the LHC system after contract, and deliver the full compliance package before closing on a 30-year first mortgage.

Official source evidence

Current HOME/MRB guidelines define the assistance as grant help equal to 5% to 9% of the final loan amount, while MRB Assisted remains the separate 4% soft-second product.

View official source

Last verified

2026-04-21

Current HOME/MRB guidelines dated 2025-02-26

Paid preview

What paid access adds for LHC MRB Home 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 Home Program

Amount: Current official HOME/MRB guidelines show grant assistance equal to 5% to 9% of the final loan amount for closing costs and required prepaid items, with a HOME affordability period rather than a soft-second repayment schedule.

Repayment: MRB Home uses grant assistance rather than a soft second mortgage, but the buyer still signs a HOME regulatory agreement tied to the grant amount. Current guidelines impose a 5-year affordability period for assistance up to $15,000, 10 years for more than $15,000 up to $40,000, and 15 years above $40,000. During that period the property must remain the buyer's principal residence, and sale or refinance requires Louisiana Housing approval.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • LHC MRB Home Program requires a participating lender.
  • LHC MRB Home 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 Home Program for this household and loan setup?
  • Which first-mortgage product must be paired with LHC MRB Home Program, and what breaks eligibility?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official LHC MRB page for LHC MRB Home Program
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

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

See what this should be compared against

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Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

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Action queue

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