In 2026, the FHA loan limit in St. Mary county, including Franklin, LA, stands at $472,030 for a single-family house. For two units, the limit is $604,400, rising to $730,525 for three units, and reaching $907,900 for four-unit residences.
For conventional loans, the maximum amount is $726,200 for a single-family home, $929,850 for two-unit properties, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to check today's top FHA rates and determine the necessary down payment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those from a variety of loan programs. Investigate and assess options such as conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans alongside FHA offers.
By pulling loan data from thousands of lenders, Lendersa® provides fast comparisons tailored to your unique financial profile and needs.
For 2026, the Loan Limits Comparison Table in Franklin county, St. Mary, LA outlines the maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money. To check qualification requirements like income, reserves, and credit, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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