Our sources
How we check Louisiana down payment programs
We check every program here against the agency or office that runs it. This page explains how we do that and what our labels mean.
Where do the facts come from?
Right now we follow 17 programs in Louisiana using 53 official sources. Those include the state housing finance agency's program pages, term sheets and income tables, plus the pages that cities, parishes and nonprofits publish for their own programs. Dollar amounts, income caps, price caps and rules come straight from those documents rather than from other directories or news stories. If two official sources disagree, we point that out on the program's page instead of picking one.
How often do we recheck?
Each listing shows the month we last confirmed it. We go back to the official pages on a regular schedule and update a program's status whenever its money dries up, fresh funding arrives or the terms get rewritten. When a program ends for good, we take it down. When it's only paused, we leave it up and mark it closed so you know to come back.
What do the labels mean?
| Label | What it tells you |
|---|---|
| Taking applications | Applications are being accepted through lenders that take part or through the program's own office. |
| Money may run out | The program spends from a yearly or fixed pot that can be used up. Check that money is left before you apply. |
| Waitlist | Current money is spoken for, and new applicants are added to a waitlist. |
| Closed at the moment | No applications today. Many of these come back with the next round of funding. |
| Grant | You never pay it back. |
| Forgivable loan | It shrinks to nothing as long as the house stays your home. Sell or refinance too soon and some or all of it is due. |
| Deferred loan | Nothing to pay monthly. The full amount comes due once the house is sold or refinanced, or once you stop living there. |
| Loan with monthly payments | Repaid a little each month, like any other loan. |
What won't we do?
We won't call something a grant unless its official terms say you never pay it back. If we can't confirm a program's amount or terms, it doesn't get a full page; it stays a short entry until the program publishes the details. We're independent: not a lender, not a government office, and no program pays us to appear here.
Found something out of date?
Rules change, and we'd rather hear about it than not. Email leads@ladownpmtassistance.com with what you saw, and we'll take another look.
