St. Charles Parish Mortgage Assistance Program

What is St. Charles Parish Mortgage Assistance Program?

St. Charles Parish Mortgage Assistance Program is a grant for homebuyers in St. Charles Parish County, Louisiana, administered by St. Charles Parish Department of Community Services.

• The St. Charles Parish Mortgage Assistance Program provides a DPA grant (no repayment required) of 3% or 4% of the loan amount toward down payment and closing costs for eligible homebuyers purchasing in St. Charles Parish with an FHA, VA, or RHS loan.
• No-repayment DPA grant.
• 3% or 4% of loan amount.
• 30-year fixed rate mortgage.
• Available for FHA, VA, and RHS loans.
• Funding comes from St. Charles Parish / Southern Mortgage Assistance Program.

How much assistance does it provide?

St. Charles Parish Mortgage Assistance Program provides assistance worth 3% of the purchase price, as set by the program.

• Award tiers: 3% DPA or 4% DPA at borrower's election.
• The program can be combined with other assistance, subject to the rules of each.
• Amounts are the program's published maximums, not an offer — St. Charles Parish Department of Community Services determines any individual award.

Do you have to pay it back?

St. Charles Parish Mortgage Assistance Program is structured as a grant, so it is not repaid.

• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

St. Charles Parish Mortgage Assistance Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

St. Charles Parish Mortgage Assistance Program limits household income to 115% of the area median income, which varies by county and household size.

• 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?

St. Charles Parish Mortgage Assistance Program caps the purchase price as follows: FHA: $271,050; VA: $417,000; RHS: no limit.

• Eligible property types include single_family, condo, and townhouse.
• New construction is eligible.
• Manufactured homes are not eligible.

Is there eligibility for specific groups?

St. Charles Parish Mortgage Assistance Program names veterans, active-duty service members, and reservists and National Guard members 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?

St. Charles Parish Mortgage Assistance Program serves buyers purchasing in St. Charles Parish County, Louisiana.

How do you apply?

Applications for St. Charles Parish Mortgage Assistance Program go through St. Charles Parish Department of Community Services, which publishes the current terms and the application steps on its own site.

1. 1

   Contact St. Charles Parish Department of Community Services to reserve funds

   Funds are reserved with the provider and are subject to availability.

2. 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.