USDA Vs. FHA Pro and Con comparison in Ball, Rapides County, LA
During 2026, the USDA loan limit in Ball, found in Rapides, LA, stands at $336,500. Meanwhile, the FHA limit for a single-family residence is set at $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates. Determine the essential income levels, credit requirements, reserves, and documentation needed to qualify. Our advanced mortgage calculator presents a side-by-side view of USDA, FHA, Conforming, and VA programs, assisting you in selecting the best option for your specific financial context in .
Loan Limits and Down Payment Requirements for 2026 in Ball, County of Rapides, LA
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Alternatives in Ball, LA
Lendersa® is dedicated to efficiently helping you secure the best USDA or FHA loan with ease. Begin with one of the three recommended starting points to match with lenders and USDA loan options that meet your requirements.
A USDA home loan, backed by the U.S. Department of Agriculture, also recognized as a USDA rural development loan, is designed for rural areas. This type of mortgage does not require any down payment, unlike FHA loans, which require a minimum of 3.5% down payment.
Heart of Louisiana Credit Union was founded in 1955 by USDA employees working in Louisiana in Alexandria and Pineville. Since then, Heart has fostered a rich history of helping Central Louisiana residents with all their financial needs.
At Heart, we specialize in helping members like family!
Legacy Financial FCU is a federally insured FCU offering financial services to residents of Grant and Rapides Parishes.
We offer a variety of loans to meet your needs. What ever you are looking to purchase, the vacation you are wanting to take, home repairs, or any other need that may arise we are here to help.
Valex Federal Credit Union aims to provide lifelong, trusted relationships and the best services available to ensure our members reach their financial goals. At Valex Federal Credit Union, we don't have customers. We have members. If you join the credit union, you become a part-owner in our financial institution.
We bring with us, 38 years of combined mortgage experience, successful companies & great reputations. We feel that joining our business operations together will enable us to provide even better products and services for our customers. By joining our companies together, we become Cenla’s largest locally owned, mortgage lender.
Alexandria Municipal Employees Credit Union was first authorized to do business in 1951. The By-Laws of this State Chartered Credit Union were adopted at the first Board of Directors Meeting held on January 10th, 1951. Alexandria Municipal Employees Credit Union remains committed to the long-established ideals of the Credit Union Movement.
Our mission is to provide financial services that are beneficial to anyone who lives, works, worships, or attends school in Catahoula, Grant, LaSalle, Rapides, & Winn Parishes, Vernon Parish school employees, & Union Tank Car Company employees. Cenla Federal Credit Union is committed to serving our members.
District 08 State Highway Employees Federal Credit Union, Charter No. 14651 came to it's being after an Organization Certificate was prepared and signed on October 12, 1961 and approval received on the 31st day of October 1961. District 08 Federal Credit Union was chartered under federal law.
In September 1952 a few concerned employees of the Baptist Hospital saw the need for a way to provide much needed financial services to their fellow workers. The credit union opened with 8 charter members as Baptist Hospital Employees Federal Credit Union. In March 1971 the name was changed to Rapides General Hospital Employees FCU.
Southern Heritage Bank is an independently owned community Bank with a concern for meeting the financial needs of the residents of Rapides, Catahoula, and LaSalle parishes. Southern Heritage Bank is currently celebrating 44 years of service to residents of Lasalle, Catahoula and Rapides Parishes!
