As of 2026, the USDA loan cap in Baker, East Baton Rouge County, LA stands at $336,500, while the FHA cap for single-family residences is $472,030.
Employ the Lendersa® USDA loan calculator to examine and contrast today’s USDA versus FHA rates. This helps identify the income, credit score, reserves, and necessary documents to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding in selecting the best option for your financial needs in Alabama.
Loan caps and down payment details for 2026 in Baker, East Baton Rouge, LA
Loan Type
Loan Cap
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Programs in Baker, LA
The goal of Lendersa® is to swiftly provide you with the most advantageous USDA or FHA loans without unnecessary complications. Choose from three initial steps leading to aligned lenders and suitable USDA loan options.
USDA home loans are secured by the Department of Agriculture and are often termed USDA rural development loans. These are accessible in rural locales. In contrast to FHA loans, necessitating at least a 3.5% down payment, USDA loans require none.
We treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Founded in 1904, the Bank of Zachary is the oldest chartered bank in East Baton Rouge Parish with a rich history of superior service to its customers. The main office of the Bank of Zachary has always been on Main Street, though in three different locations. The original office of the Bank, is a half-block west of the Lee Street intersection.
GP Louisiana Federal Credit Union has been open since 1969. The credit union has assets totaling $48.27 Million and provides banking services to more than 5,000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves manufacturing employees.
Our credit union was originally chartered as Cee Zee Employees Federal Credit Union in 1960, serving the employees of the paper mill in West Feliciana Parish and their families. The paper mill has had five different name changes. The names of the paper mill have been Crown Zellerbach, James River, Crown Vantage, TEMBEC and currently KPAQ.
Since its inception in 1957 the Allied Plastics Federal Credit Union has been serving its members in the Baton Rouge, Louisiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages.
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. We offer 100% USDA Rural Development, 100% VA to qualified veterans, FHA with 3.5% down, up to 97% Conventional and Jumbo options.
Southern Teachers and Parents Federal Credit Union
728 Harding Boulevard, Baton Rouge, LA, 70807
Lends in Louisiana
Southern Teachers & Parents Federal Credit Union was established over 80 years ago with the mission of providing quality financial services designed to help members improve their economic status. We continue our mission by operating as a full service financial institution while educating our members on making sound financial decisions.
The Credit Union was chartered in 1951 under the provisions of the Federal Credit Union Act, Public Law 467, 73d Congress 1st Session, entitled, “ An Act to establish a Federal Credit Union System, to establish further market for securities of the United States and to make available to people of small means credit for provident purposes.
Bayou Federal Credit Union has been open since 1954. The credit union has assets totaling $81.18 Million and provides banking services to more than 8, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
