In 2025, 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 2025 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 |
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
