All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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How much house can I afford in Louisiana? →Louisiana Housing Corporation's primary Mortgage Revenue Bond first-mortgage program for first-time homebuyers statewide: MRB Home offers below-market interest rates with 5%-9% down payment/closing-cost assistance for households at 80% AMI or below; MRB Assisted offers market-rate financing with a soft-second loan equal to 4% of the mortgage amount (income up to 140% AMI in Qualified Census Tracts / Targeted Areas). Both require a 640 minimum credit score and completion of homebuyer education.
Deferred, 0%-interest soft-second loan covering the affordability gap between what a buyer can afford and the purchase price: up to 20% of purchase price (max $55,000) plus up to $5,000 in closing-cost assistance (max $60,000 total), forgiven if the buyer occupies the home for the full 10-year term. For households at or below 80% AMI.
Louisiana charges no statewide real estate transfer tax at all. Here's what it really costs to close on a $260,300 Louisiana home, and who signs off on it.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.