USDA and FHA Pro and Con in Gardere, East Baton Rouge County, LA

In the year 2026, the USDA loan limit available in Gardere within East Baton Rouge County, LA, is $336,500. At the same time, the limit for FHA loans on single-family homes is $472,030.

Employ the Lendersa® USDA loan calculator to evaluate and compare today’s top USDA and FHA rates. Determine what income, credit, reserves, and documentation is needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding you in selecting the best one for your specific financial situation in Alabama.

Review loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2026 in Gardere, East Baton Rouge, 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 Opportunities in Gardere, LA

Lendersa® strives to swiftly procure the best possible USDA or FHA loan for you without inconvenience. Start with one of three methods that lead to matching lenders and applicable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in LA

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Land Line Lending
  • 1501 N. Pierce Street, Suite 104, Little Rock, AR, 72207
  • "Our Land Line Lending team has over 75 years of land industry experience. That experience, along with our industry knowledge & know-how, provides our customers with solutions that are as unique as their needs.

    Our team is proud to uphold the values of dependability & stability while working toward innovations that are improving financing opti

  • BNA Bank
  • 133 E Bankhead St, New Albany, MS, 38652
  • Bank of New Albany, BNA Bank is a state-chartered bank that has grown from a single location in downtown New Albany to 8 total locations. BNA Bank is one of the few ‘A’ rated banks by Weiss Bank Rating Services and was inducted into the Seifried and Brew Top 15th percentile of community banks.

  • Benchmark Mortgage
  • 2121 Watt St, Suite B, Little Rock, AR, 72227
  • Benchmark is a full-service mortgage banker and seller-servicer We are a community of mortgage professionals that are united by the Benchmark core values - success, relationship, dynamic, excellence, positive attitude. Everything we do comes back to these five defined beliefs. Adhering to these values dictates the way we think, manage our business.

  • Pretty Gurls Investments
  • 212 West M Avenue, North Little Rock, AR, 72116
  • Hi, I'm Ms. Bynum, Owner/CEO of "Pretty Gurls Investments"
    I have been in the mortgage and finance industry for over 13 years.
    I assist RE investors nationwide with project funding for
    their Real Estate projects.
    You can also email me your Executive Summary for my review, if you are not ready to apply just yet.
    PrettyGurlsInvestments@gmail.

  • Newfirst National Bank
  • 202 E Jackson, El Campo, TX, 77437
  • NewFirst National Bank has a long and prosperous history dating back to January 22, 1902.

    It wouldn’t be until 2002 when the name NewFirst National Bank would be approved to coincide with a larger geographic footprint.

    The current office in El Campo, Texas opened in February 1968 and still serves as the headquarters.

  • Guardian Home Mortgage Corporation
  • 11825 Hinson Road, Suite 104, Little Rock, AR, 72212
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.

  • FREESTONE CREDIT UNION
  • 613 Main Street, Teague, TX, 75860
  • Our Mission is to provide quality financial services to our members. We are dedicated to providing loans at reasonable rates, promoting thrift and maintaining financial stability to safeguard the assets of Freestone Credit Union. At the same time, we will offer these services with professionalism, integrity and innovation to provide

  • Fairway Independent Mortgage
  • 2220 Highway 51 S, Hernando, MS, 38632
  • Here at Fairway Independent Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve.
    Financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. We look forwar

  • Encore Bank
  • 1801 Rahling Rd, Little Rock, AR, 72223
  • Encore Bank is a private, boutique bank with a commercial focus that couples highly experienced and talented bankers with innovative technology to offer unprecedented levels of personal service and experiences to its clients through a hospitality-inspired concierge approach. Encore provides a full suite of financial products

  • Bank Ozk
  • 17901 Chenal Pkwy, Suite 100, Little Rock, AR, 72223
  • Bank OZK, we strive to build on our community Bank heritage by combining high ethical standards with innovative technologies to deliver truly exceptional service to our clients and communities. We are committed to implementing new ideas and cultivating relationships that encourage our communities, large and small, to grow and thrive.

  • River Bank & Trust
  • 2611 Legends Drive, Prattville, AL, 36066
  • Here at Diversified Mortgage, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

    We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

  • Citizens Bank of Winfield
  • 236 Bankhead Highway, Winfield, AL, 35594
  • The Citizens Bank of Winfield is located in Winfield, AL. Our primary mission has always been to serve the banking needs of the community & a part of this has been keeping the bank financially strong and safe. With the economy in a weakened condition, it is important for our bank to remain strong & safe to retain the confidence of our customers.