USDA VS FHA in Grand-Point, St. James County, LA

In the year 2026, the USDA loan limit set for Grand-Point in the county of St. James, LA is noted as $285,000. For a single-family residence, the FHA limit is $356,362.

To compare today's top USDA and FHA rates, utilize the Lendersa® USDA loan calculator. It helps assess income, credit, reserves, and required documents for qualification. Our sophisticated mortgage calculator displays the USDA, FHA, Conforming, and VA loan options side-by-side, aiding you in choosing the most suitable program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Grand-Point, County of St. James, LA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Grand-Point, LA

Lendersa® aims to expedite the process of obtaining the best available USDA or FHA loans without complications. Choose from three entry points to connect with lenders and access USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in LA

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture. This loan caters exclusively to rural locations. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans need no down payment.

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



  • MORTGAGES UNLIMITED INC.
  • 7365 Kirkwood Court N, Suite 300, Maple Grove, MN, 55369
  • Mortgages Unlimited delivers value-added loan solutions that fit every clients needs. Our goal is simple—to offer the unlimited loan options of a major lender with the personal service and feel of a family-owned business. We take great pride in our corporate values—strong ethics, family values and teamwork.

  • Partner Colorado Credit Union | Central Park Branch
  • PO Box 1346, Arvada, CO, 80001
  • Partner Colorado Credit Union, founded in 1931, is a member-owned, not-for profit cooperative. Simply put, we are owned and operated by members, unlike publicly-held banks who are owned by shareholders. All income after operating expenses and reserve allocations is returned to you in the form of higher dividends on savings and lower rates on loans.

  • Select Mortgage
  • 8100 Ralston Rd, Suite 230, Arvada, CO, 80002
  • Select Mortgage Inc, 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.

  • Brookside Lending
  • 5460 Ward Road, Suite 215, Arvada, CO, 80002
  • Brookside Lending is a Experienced mortgage broker team to help you obtain the best available products and pricing for your home purchase, home refinance, or reverse mortgage needs. speciality in Residential and Investment property transactions Home Refinance options The real estate buying and selling process and Fixed & ARMs, Jumbo Reverse more

  • Venture Financial Inc
  • 6850 West 52nd Avenue, Suite 101, Arvada, CO, 80002
  • Venture Financial, Inc. is a small business doing big things. We are a locally owned company with over 20 years experience in the mortgage industry. Whether you are a first time homebuyer or someone investing in a second property, we are here to walk alongside you. We look at your financial situation as a whole

  • Legacy Mutual Mortgage
  • 5690 Webster Street, Arvada, CO, 80002
  • Legacy Mutual Mortgage is an approved HUD Lender and a member of the Texas Mortgage Bankers Association. We've been in business since April 2005 as a full service mortgage banking company originating, underwriting and closing conventional, FHA, VA, Texas Vet and USDA mortgage loans.

  • Lakewood Credit Union
  • 1003 Railroad Street, Rib Lake, WI, 54470
  • Lakewood Credit Union was chartered May 19, 1961, serving the community surrounding Rib Lake, Wisconsin. The local business leaders created the credit union in order to help those that live within the area. The name of the credit union was determined through a vote by the Rib Lake High School students.

  • Harford Bank
  • 8 West Bel Air Avenue, Aberdeen, MD, 21001
  • Harford Bank is an independent, locally owned & managed, full-service bank, responsive to the needs of our customers & our community. We are committed to delivering a superior customer experience, providing fulfilling careers, & a competitive return to our shareholders. Harford Bank was chartered as a national banking association on April 27, 1964.

  • Credence Funding Corporation
  • 1200 Technology Drive, Suite A, Aberdeen, MD, 21001
  • Credence Funding Corporation, 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.