In the year 2025, the FHA loan limit in the county of St. Mary, located in Morgan-City, LA, is set at $356,362 for a single-family house. For two-unit properties, the limit rises to $456,275, while three-unit homes have a cap of $551,500, and four-unit residences are allowed up to $685,400.
Conventional loans have different maximum amounts: $548,250 is the limit for single-family dwellings, $702,000 for two-unit buildings, with three units allowed up to $848,500, and structures with four units can reach $1,054,500.
Utilize our FHA calculator today to explore the best available FHA rates. Additionally, you can evaluate essential financial metrics like the downpayment, income level, credit score, and necessary reserves, besides required documents for qualification.
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The Lendersa® calculator is a powerful tool for comparing FHA rates and terms with other available loan programs. Dive into various options including conventional loans, jumbo loans, VA, USDA, non-QM, and also hard money loans, alongside FHA offerings.
With access to a vast array of lending data, Lendersa® compiles and contrasts program details from numerous lenders, tailoring the information in seconds to fit your unique financial situation and criteria.
The Loan Limits Comparison Table for 2025 in St. Mary county, Morgan-City, LA, provides a detailed view of the maximum amounts for FHA, conventional, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To check the qualification criteria such as income, reserves, and credit needs, use 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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