USDA Vs. FHA Pro and Con comparison in Grand-Point, St. James County, LA
In 2025, USDA loan limit in Grand-Point, county of St. James, LA is $285,000 while FHA limit is $356,362 for a single-family home.
Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.
2025 loan limits and downpayment requirments 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%
USDA and FHA loan options in Grand-Point, LA
Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.
USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
7660 Pecue Lane, Suite 300, Baton Rouge, LA, 70809
We want to create the best customer experience when you are purchasing your home. Our reputation lies in the trust and respect that we have earned from our homeowners across the South. We pride ourselves in our outstanding customer satisfaction, accuracy and our ability to close your loan on time. DSLD Mortgage will lead, support,
Barton Plant Employees' Federal Credit Union is a member-owned and operated financial institution, existing to help achieve the financial needs of our members, through dedicated and efficient personal service.
Once you become a member, you are always a member, as long as your account remains open.
ALEC Federal Credit Union was formed in 1968 to help members pool their financial resources in order to help each other out. We are a not-for-profit organization and exist to provide our members with a place to save money and get loans at reasonable rates.
ALEC Federal Credit Union is financially sound and federally insured.
The Baton Rouge Fire Department Federal Credit Union has been serving our local area since 1936. We are a non-profit financial institution, which is owned and operated by its members. We provide our members low-interest loans and convenient savings plans. Our Vision is to become the preferred financial institution for all fire department employees.
1850 South Sherwood Forest Boulevard, Baton Rouge, LA, 70816
At BRECO, we take our mission seriously to assist our member-owners build and secure their financial success. Being a not-for-profit, we return earnings back to members in the form of better interest rates, reduced or no fees and quality personal service; all because our focus is on serving our members and not on making profits.
With 75 years of service, we are truly committed to providing quality financial products & services. Our professional staff with decades of combined experience aims to make the banking process as enjoyable as possible. LAUSA members have access to a full range of valuable benefits & services designed to make the banking experience.
"At In-House Lending, llc, your local Louisiana mortgage lender, providing lending programs that fit the needs of our community.
We are a direct local lender that has also teamed up with some of the largest and most respected national lenders, giving us one of the widest selections of loan options ANYWHERE."
11715 Bricksome Ave, Suite B-6, Baton Rouge, LA, 70816
TKM of LA, LLC is located in Baton Rouge, Louisiana and licensed to service the entire state of Louisiana. The staff combined has over 20 years of experience in Residential and Commercial Financing. TKM of LA was created to extend mortgage financing to unique borrowers without the added restrictions that banks and institutions may enforce.
EFCU Financial is a Louisiana-based, full-service credit union committed to improving the lives of our members through comprehensive financial solutions delivered with world-class service. Since 1934, EFCU Financial has been passionately living our promise to do what is in the best interest of our members and our community.
