USDA and FHA Pro and Con in Ferriday, Concordia County, LA
In 2026, the USDA loan limit for Ferriday, located in Concordia county, LA is $336,500, while the FHA cap for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates and assess the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator features USDA, FHA, Conforming, and VA options side by side to assist in choosing the best program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Ferriday, Concordia County, 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 Options in Ferriday, LA
The goal of Lendersa® is to secure the best USDA or FHA loan for you swiftly and with no hassle. Choose from three ways to find matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is exclusively for rural areas. FHA loans need at least a 3.5% down payment, but USDA loans require none.
On October 1, 1973, when a group of local investors acquired the charter of the failed Delta Security Bank in Ferriday, La., Delta Bank was born. That bank was originally called Louisiana Central Bank. Our heritage has been to provide innovative banking products with unique home town service and attention to customers.
Since 1903, Concordia Bank has continually provided you with the best in banking products. Our approach to doing banking is simple – provide banking products our customers want with hometown customer service. We look forward to the future and the changes it will bring, while upholding the traditions of Concordia Bank.
Since 1922, we have served Tensas and surrounding parishes. Our goal has always been to provide our customers with great solutions and services at the local level. We are local people making local decisions. Come see what Homegrown service is all about. Tensas State Bank; Homegrown since 1922 and proud to be Loyal to Local.
We prefer to keep our focus on the local community, and our relationships in the towns we serve. While we may be small in size, we are big on our neighbors. Wear a suit or overalls when you come inside, it’s all the same to us. We value face to face deals and handshakes. And we’re big on getting to know your name, your family.
