As of 2026, the FHA loan ceiling in the county of Terrebonne, situated in Gray, LA, is set at $472,030 for single-family residences. For duplexes, the limit is $604,400, while tri-family units have a cap of $730,525, and four-unit properties are limited to $907,900.
The highest loan amount for conventional mortgages on a single-family home comes in at $726,200. For duplexes, it increases to $929,850, for triplexes, the limit is $1,123,900, and for quadplexes, it escalates to $1,396,800.
Utilize our FHA calculator to discover the best FHA rates available today and calculate the necessary down payment, income, credit score, reserves, and required documentation for eligibility.
The Lendersa® calculator provides a platform to compare FHA rates and terms with all other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Explore and compare these options comprehensively.
Lendersa® acquires loan program data from a vast network of thousands of lenders, and it matches this data to your personal financial conditions and needs within moments, giving you tailored recommendations.
For 2026 in the county of Terrebonne, located in Gray, LA, the Loan Limits Comparison Table allows you to compare the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To scrutinize qualification criteria including income, reserves needed, and credit score requirements, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a deeper insight.
| 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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