First mortgage
Habitat for Humanity of North Louisiana Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Ouachita Parish
Buying a home in Monroe, LA
2 Monroe programs and 8 statewide.Monroe has 2 programs of its own, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Monroe’s own programs
Forgivable loan
Home in Monroe - Down Payment Assistance
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse within City of Monroe. New construction eligible (Buy-Down component supports construction in target neighborhoods).
The Monroe marketThe Monroe housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Monroe
- 70.5% single-familysingle-family
- 1.4% townhousetownhouse
- 12.4% 2–4 units2–4 units
- 12.9% 5+ unitscondo & apartment buildings (5+ units)
- 2.7% mobile & othermobile home & other
Condos count. 1 of Monroe’s 2 local and county programs accept condos. Habitat for Humanity of North Louisiana Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Monroe’s homes were built
pre-19401970s2020+
66.4%
of Monroe homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$78,700
County area median income, 4 people (HUD)HUD area median income, Ouachita Parish, 4-person household (2026)
$40,505
Monroe median household incomeMedian household income in Monroe (Census, 2024)
13 of the 72 programs here set their income limit as a share of Ouachita Parish’s area median income, adjusted for household size. See the published limits for Ouachita Parish
Free help nearbyFree help near Monroe
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Monroe’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Home in Monroe - Down Payment Assistance asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Louisiana and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
- FHLB Dallas Homebuyer Equity Leverage Partnership (HELP) - LouisianaUp to $20,000 · Assistance grant
- Louisiana Housing Corporation Mortgage Credit Certificate (MCC) ProgramUp to $2,000 · Mortgage credit certificate
- HOPE Credit Union Affordable Housing ProgramAssistance available · Down-payment assistance
Monroe questions
Does Monroe have its own down payment program?
Yes, 2: Habitat for Humanity of North Louisiana Homeownership Program and Home in Monroe - Down Payment Assistance. Each is for homes inside Monroe.
Can I use assistance on a condo in Monroe?
1 of Monroe’s 2 local and county programs accept condos. Habitat for Humanity of North Louisiana Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Ouachita Parish?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Ouachita Parish, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Monroe?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Monroe. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
71201 · 71202 · 71203 · 71207 · 71208 · 71209 · 71210 · 71211 · 71212 · 71213
Nearby in Ouachita
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.