In 2026, the FHA loan limits for Grand-Point, situated within St. James county, LA, are set as follows: $356,362 for a single-family home, $456,275 for two-unit properties, $551,500 for buildings with three units, and $685,400 for residences with four units.
For conventional loans, the maximum amount available on a single-family home is $548,250. For two-unit homes, the limit is $702,000, increases to $848,500 for three-unit homes, and reaches $1,054,500 for four-unit properties.
Utilize our FHA calculator to identify today's best FHA rates and to evaluate the needed down payment, income level, credit score, reserves, and required documents for qualification.
With the Lendersa® calculator, you can compare the rates and terms of FHA loans with those of other loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, allowing for a thorough examination of possibilities.
Lendersa® gathers comprehensive loan program data from thousands of lenders, providing swift comparisons against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Grand-Point, located in St. James, LA, offers detailed insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To more thoroughly compare qualification criteria such as income, reserves, and credit, consider using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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