For the year 2026, the FHA loan limit in Luling, situated in St. Charles county, LA, stands at $472,030 for a single-family home. For two-unit residences, the limit is $604,400, for three units it reaches $730,525, and for four-unit dwellings, it is $907,900.
The cap for conventional loans on a single-family house is set at $726,200. Two-unit homes have a limit of $929,850, three units are capped at $1,123,900, and four-unit residences can obtain up to $1,396,800.
Use our FHA calculator to examine today’s leading FHA rates, and discern the necessary down payment, income metrics, credit requirements, reserves, and documents you need to qualify.
With the Lendersa® calculator, you can contrast FHA rates and terms with those from other loan programs. Investigate and compare options such as conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans in conjunction with FHA options.
Lendersa® aggregates and analyzes loan program data from a multitude of lenders, efficiently matching these offerings to your financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Luling, St. Charles, LA allows you to examine maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money. To explore qualification requirements such as income, reserves, and credit, apply 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:
