USDA Vs. FHA Pro and Con comparison in Baton-Rouge, East Baton Rouge County, LA
For 2026, the USDA loan limit in Baton-Rouge, found in East Baton Rouge County, LA, is $285,000. The FHA limit for a single-family home is $356,362.
Use Lendersa® USDA loan calculator to compare today's best USDA vs. FHA rates, determining the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you'll see USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best fits your financial situation.
2026 Loan Limits and Down Payment Requirements in Baton-Rouge, East Baton Rouge County, LA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Baton-Rouge, LA
The primary objective at Lendersa® is to promptly connect you with the ideal USDA or FHA loan with no hassle. Begin with one of three routes leading to matching lenders and pertinent USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as a USDA rural development loan or mortgage, is only available in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans need no down payment at all.
Citizens Bank can trace its origins back to 1913, when Henry and Sallie Rankin acted on their belief that the Columbia area needed a bank that could be responsive to the financial needs of individuals and businesses within their community. Twenty-four original shareholders raised $35, 000 in capital to form the Bank.
1997 was a banner year for banking in Louisiana. It was the year Louisiana returned to its community banking roots with the opening of The Bank, in Jennings and Iowa, the first new bank chartered in the state in thirteen years.
As it turns out, The Bank was on the leading edge of a growing trend toward community banks,
Chartered in 1968 at what was formerly St. Regis (now Georgia Pacific), and operating in a small vacant office, organized as a cooperative to offer better financial services to those employees of the mill. As we grew, we established a stand-alone branch right outside of the mill and were able to offer services to others in the community
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.
