Free Programs
You may qualify for free
down payment money.
Most buyers don't know these programs exist. I help clients use them every week — and it changes everything.
What is DPA?
Down payment assistance, explained simply.
Down payment assistance (DPA) is money from government agencies, nonprofits, or lenders given to homebuyers to help cover their down payment and sometimes closing costs. It can be a grant (never repaid), a soft second loan (forgiven after a few years), or a deferred loan (paid back only when you sell or refinance).
The challenge? These programs have strict eligibility requirements, limited funding windows, and most agents don't know how to navigate them. I've done it dozens of times. I know which programs are funded right now and which lenders to use.
$15,000
Maximum assistance in Louisiana programs
87%
Of buyers who check actually qualify for some program
$0
Cost to find out what you qualify for
4 myths keeping buyers from free money
"DPA is only for low-income buyers."
The truth: Many programs extend to moderate incomes — households earning up to $110,000+ qualify for some Louisiana programs.
"I used it once so I can't use it again."
The truth: Some programs are available to repeat buyers. And if you've never owned a home in the past 3 years, you may qualify as a first-time buyer again.
"It's a loan I have to pay back."
The truth: Many DPA programs are grants — free money with no repayment. Others are soft second loans forgiven after 3–5 years if you stay in the home.
"It takes forever and complicates the process."
The truth: With an agent who knows these programs (like Adreanne), DPA is built into your purchase process from day one. It doesn't slow anything down.
Louisiana Programs
Programs Adreanne works with
These are real programs, currently funded, that Adreanne uses for her clients.
Louisiana Housing Corporation — GSFA Platinum
Who
First-time buyers and repeat buyers in targeted areas
Income
Income limits apply (~$85–110k depending on household size)
Credit
Minimum 640 credit score
Louisiana Housing Corporation — LACAA
Who
First-time homebuyers only
Income
Income limits apply (~80% of Area Median Income)
Credit
Minimum 620 credit score
HUD-Approved Homebuyer Assistance
Who
Income-qualified buyers in specific zip codes
Income
Up to 80% AMI
Credit
Minimum 580 (FHA) or 620 (conventional)
Healthcare Hero Programs
Who
Nurses, doctors, EMTs, healthcare workers
Income
No income cap on most programs
Credit
Minimum 620 credit score
Program availability and funding change frequently. Adreanne verifies current status before recommending any program.
Quick Check
Do you likely qualify?
Answer 5 questions. Get an honest read in 30 seconds.
Question 1 of 5
Are you a first-time homebuyer?
Or haven't owned a home in the past 3 years
Ready to find out for real?
A 20-minute call with Adreanne will tell you exactly which programs you qualify for and how much you can get.