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Comfort of Home Program

Jefferson County, Louisiana

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Assistance

4%

Of the purchase price, as the program sets it

Income limit

$121,520

The household income limit the program publishes

Repayment

Forgivable

Forgiven after 5 years

What is Comfort of Home Program?

Comfort of Home Program is a forgivable loan for homebuyers in Jefferson County, Louisiana.

  • JPFA's flagship parish-wide DPA program for Jefferson Parish homebuyers. Up to 4% DPA as a 0% interest deferred second mortgage forgiven at 5 years, paired with a 30-year fixed FHA/VA/USDA/Conventional first mortgage. Open to first-time and repeat buyers. Servicer: US Bank. Administrator: eHousingPlus.
  • JPFA's Comfort of Home program provides a 30-year fixed-rate first mortgage paired with up to 4% down payment and closing cost assistance via a 0% interest, deferred second mortgage forgiven after 5 years. First-mortgage products: FHA, VA, USDA, Freddie Mac HFA Advantage, Fannie Mae HFA Preferred, plus Limited 203(k) FHA renovation. Open to first-time and repeat homebuyers.
  • appropriate for borrowers with moderate-to-good credit, moderate DTI, and moderate-to-high household income. Program covers both home purchases and refinances.
  • Funding comes from Bond and Local.

How much assistance does it provide?

Comfort of Home Program provides assistance worth 4% of the purchase price, as set by the program.

  • Buyer contribution: Per first-mortgage product (3.5% FHA, 0% VA/USDA, 3% HFA Preferred / Advantage).
  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

Comfort of Home Program is forgiven after 5 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Deferred 0% second mortgage forgiven after 5 years of continuous owner-occupancy. If property is sold, refinanced, or transferred before 5-year anniversary, balance becomes due in full.
  • The assistance is recorded in 2nd Lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Comfort of Home Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: 640 minimum FICO for FHA/VA/USDA government loans; 660 for Freddie HFA Advantage / Fannie HFA Preferred; 680 for some HFA Preferred tiers (per current rate sheet).
  • Residency: Property must be located in Jefferson Parish, Louisiana, and occupied by borrower as primary residence.
  • Citizenship or immigration status: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product.
  • Property must be located in Jefferson Parish, Louisiana. Borrower must occupy as primary residence. Up to 4% DPA second mortgage at 0% interest deferred and forgiven after 5 years of continuous owner-occupancy. Borrower must qualify for the JPFA first-mortgage product through a Qualified Lender. Income limits per product schedule (seed range $69,440-$121,520). Minimum FICO 640 (FHA/VA/USDA), 660 (HFA Advantage / HFA Preferred), 680 (some HFA Preferred tiers). Standard agency DTI guidelines apply. Open to first-time AND repeat homebuyers. Refinance eligible. Pairs with JPFA Heroes to Homeowners $2,500 grant for qualifying professionals (note: per 1/1/2026 JPFA rule change, Heroes to Homeowners now combines with bond programs only). Servicer: US Bank. Program Administrator: eHousingPlus (eHousing).

The program excludes

  • Manufactured homes
  • Households above $121,520

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Comfort of Home Program limits household income to $121,520.

  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Comfort of Home Program caps the purchase price as follows: Per JPFA product schedule and IRS bond rules; verify with Qualified Lender.

  • Eligible property types include Single-family detached, condominium, townhouse, PUD per first-mortgage product overlays.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Is there eligibility for specific groups?

Comfort of Home Program names veterans, active-duty service members, reservists and National Guard members, and surviving spouses among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Comfort of Home Program serves buyers purchasing in Jefferson County, Louisiana.

  • The program targets specific areas: Federally designated targeted census tracts in Jefferson Parish where MRB-funded loans waive FTHB requirement and offer extended income/purchase-price limits.

How do you apply?

Applications for Comfort of Home Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Contact the administering agency to reserve funds

    Funds are reserved through Reserved by JPFA-approved Qualified Lender via eHousingPlus administrator system at rate lock. Subject to JPFA fund availability., and are subject to availability.

  2. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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