In 2026, the FHA loan limit in Lutcher, located in St. James county, LA, is $472,030 for a single-family home. For two-unit properties, the cap is $604,400, rising to $730,525 for three-unit homes, and $907,900 for four units.
The maximum conventional loan amount for a single-family residence is $726,200. For properties with two units, it's $929,850, for those with three units, $1,123,900, and for four unit homes, the maximum is $1,396,800.
Use our FHA calculator to explore today’s FHA best rates and assess the required down payment, income, credit, reserves, and documents necessary for qualification.
The Lendersa® calculator helps you to compare FHA rates and terms against those from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, offering a wide range of options.
Lendersa® gathers extensive loan data from thousands of lenders, swiftly evaluating it against your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Lutcher, part of St. James county, LA, provides a detailed view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification requirements including 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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