Parish seatHouma
People104,163
Income cap, 3+$99,590
Highest price$554,850
What should you know about buying in Terrebonne Parish?
Terrebonne Parish, with Houma as its seat, is in the part of the state hit by Hurricane Ida. HomeStart Plus serves first-time buyers at or below 80% AMI in parishes designated for Ida, Laura or Delta. A participating lender can confirm whether a Terrebonne purchase is eligible.
The Terrebonne Parish School District, Terrebonne Parish Sheriff's Office, Houma Police Department and Houma Fire Department employ the teachers and first responders Keys for Service was created for. Under HomeStart Advantage, any occupation qualifies.
Terrebonne shares its HomeStart Assist limits with Lafourche: $86,600 for 1 to 2 people and $99,590 for 3 or more.
What are the limits in Terrebonne Parish?
| Household of 1 or 2 | Household of 3+ | Highest price |
|---|
| $86,600 | $99,590 | $554,850 |
Terrebonne's HomeStart Assist limits are $86,600 and $99,590; HomeStart Advantage allows up to $125,000, and a lender confirms the FHA price limit. Compare every area's limits or run the home budget calculator.
Is there local money in Terrebonne Parish?
Yes. The programs below are run closer to home. Some can sit on top of the state program and some replace it, so your loan officer sorts out which ones work together.
61 Louisiana parishes (all except Orleans, Jefferson and a few others)
- Help available
- 4% of the total note amount for down payment, closing costs, prepaids or Realtor commission, with a 30-year fixed FHA/VA/USDA first mortgage
- Kind of help
- Forgivable second loan
- Who it's for
- First-time homebuyers; waived for veterans (DD-214, one-time use) and targeted census tracts
- Income cap
- Effective 05/01/26, non-targeted: $84,900 (1-2) / $97,635 (3+) in most parishes, up to $107,700 / $123,855 in St. Tammany; targeted areas: $101,880 / $118,860 up to $129,240 / $150,780
- Price cap
- $544,233 (1 unit, non-targeted); $665,173 (targeted)
- Only for first-time buyers?
- Yes
- Also worth knowing
- 0% 5-year second: no forgiveness in months 1-36, then 1/24 forgiven each month. Homebuyer education for all buyers on title. Min FICO 620 (640 US Bank).
Guide published 05/13/26, rev. 07/20/26; program page https://thecafa.org/homebuyers/cafa-first-home (shows 7% government rate). This is a separate bond first mortgage: choose CAFA OR LHC HomeStart, not both. Essentially a second regional/statewide option with income and price limits close to LHC HomeStart Assist.
Checked November 2026 · our sources
Read our full write-up →Browse every Louisiana program.
Where can you take a homebuyer class near Terrebonne Parish?
Nearly every assistance program wants you to finish a homebuyer class before you close. These HUD-approved agencies are within reach of Terrebonne Parish and offer classes or one-on-one counseling before you buy:
| Counseling agency | Located in | How far | Offers | Meets you | Languages |
|---|
| Saint Mary Community Action Agency, Inc. | Franklin | 52 mi | Class and coaching | in person | English |
| Jefferson Community Action Programs | New Orleans | 58 mi | Class and coaching | by phone | English |
| Family Resources of New Orleans | New Orleans | 63 mi | Class and coaching | by phone / online | English |
| Desire Community Housing Corporation | New Orleans | 65 mi | Class and coaching | by phone / online | English |
Taken from HUD's list of approved counseling agencies. Programs differ on which classes they accept.
Which class will count for you? Ask the loan officer handling your file. They know which courses each Louisiana program accepts, and they can get your pre-approval going in the same conversation.
Start the check
Which local employers are covered?
A few of the Terrebonne Parish employers whose staff fit the program:
- Terrebonne Parish School District
- Terrebonne Parish Sheriff's Office
- Houma Police Department
- Houma Fire Department
Houma teachers, deputies and firefighters qualify, and so does every other occupation. See the list of eligible jobs.
Terrebonne Parish questions we hear
Is HomeStart Plus available in Terrebonne Parish?
HomeStart Plus covers parishes designated for Hurricanes Laura, Delta or Ida, for first-time buyers at or below 80% AMI. Your lender confirms eligibility for your address.
What are the HomeStart Assist limits in Terrebonne?
$86,600 for 1 to 2 people and $99,590 for 3 or more in non-targeted areas.
Can I combine HomeStart Advantage with HomeStart Plus?
They are separate LHC programs with different rules. A participating lender can tell you which one fits your situation.
Other parishes: East Baton Rouge Parish Jefferson Parish Orleans Parish St. Tammany Parish Lafayette Parish Caddo Parish Calcasieu Parish Ouachita Parish Every parish
