USDA and FHA Pro and Con in Gray, Terrebonne County, LA
In 2026, the USDA loan limit for Gray, located in Terrebonne county, LA, is $336,500. The FHA limit for a single-family home, however, is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates and determine the income, credit, reserves, and documents needed to qualify. Featuring our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, enabling you to choose the best program for your financial needs in .
2026 Loan Limits and Down Payment Criteria in Gray, Terrebonne County, LA
Loan Category
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Alternatives in Gray, LA
Lendersa® aims to connect you quickly to the best possible USDA or FHA loan with no hassle. Start with one of three methods to find matching lenders and USDA loan programs.
The USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available mainly in rural neighborhoods. Unlike FHA loans that require a 3.5% down payment, USDA loans do not require any down payment.
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