In 2026, the FHA loan limit for St. James county, within Gramercy, LA, is set at $472,030 for a single-family home. For two-unit properties, the limit extends to $604,400, for three units, it is $730,525, and for four units, the maximum is $907,900.
The cap for conventional loans on a single-family home is $726,200. It increases to $929,850 for homes with two units, to $1,123,900 for three units, and to $1,396,800 for four-unit residences.
Our FHA calculator can help you discover today’s best FHA rates and determine the down payment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to match FHA rates and terms alongside those from other loan programs. Compare options such as conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans with FHA.
Using loan program data sourced from thousands of lenders, Lendersa® performs swift comparisons against your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Gramercy, St. James, LA offers a detailed analysis of maximum loan values for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To assess qualification criteria like income, reserves, and credit, utilize the 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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