USDA Vs. FHA Pro and Con comparison in Houma, Terrebonne County, LA
In 2026, the USDA loan limit for Houma in Terrebonne County, LA is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to assess and compare today’s best USDA vs. FHA rates. Determine the necessary income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program in for your financial needs.
2026 Loan Limits and Down Payment Requirements in Houma, Terrebonne 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 Opportunities in Houma, LA
The aim of Lendersa® is to provide you with the most suitable USDA or FHA loan quickly and efficiently. Choose one of three starting options that lead to matched lenders and appropriate USDA programs.
A USDA home loan is backed by the U.S. Department of Agriculture, also known as the USDA rural development loan or mortgage, and is available only in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require no down payment.
Heart of Louisiana Credit Union was founded in 1955 by USDA employees working in Louisiana in Alexandria and Pineville. Since then, Heart has fostered a rich history of helping Central Louisiana residents with all their financial needs.
At Heart, we specialize in helping members like family!
Louisiana Baptist Federal Credit Union has been open since 1975. The credit union has assets totaling $5.26 Million and provides banking services to more than 900 members.
The credit union is a religious-based credit union. Membership is also open to immediate family of current members.
Louisiana Land Bank, ACA is headquartered in Monroe, Louisiana, with 11 locations state-wide to meet your agriculture and rural financing needs. Louisiana Land Bank has been Louisiana's premier agricultural lender for over 100 years. We are a locally owned and operated lending cooperative whose specialty and expertise are making agricultural loans.
Let Southern Heritage Bank help celebrate one of the most exciting times of your life by choosing us for your mortgage needs!
While buying a home is one of the biggest decisions you'll ever make, selecting the right mortgage loan can be just as important. Your lifestyle. Your budget. Your comfort level.
New Horizons Credit Union, formerly Scott Southern Division Employees Credit Union and Scott Credit Union, is a not-for-profit, member-owned financial cooperative that has been providing financial services to our members 1950. We are governed by a member-elected, volunteer Board of Directors.
At All In Credit Union, we pride ourselves on providing exceptional member service. For your security, please DO NOT provide account details or other personal information on our Facebook page or in a private Facebook message. If you need help with your account or have a concern, we want to help.
The Bank of Richton closed in 1930 and a new bank was organized that year with E.M. Gavin as President and T.W. Milner as vice president. This was the first organization of the Richton Bank and Trust Company. However in 1932 the Richton Bank and Trust Company was reorganized with B. M. Stevens appointed President, C.S. Bentley as Vice President.
Mobile Postal Employees Credit Union was established July 1st, 1949 to serve the needs of Postal Workers and their families. Like all credit unions, we are a nonprofit, member-owned financial institution. Unlike a bank, we do not operate for profit. Any profit earned by the credit union is returned to the members in the form of dividends.
Azalea City Credit Union currently serves the financial needs of Mobile, Baldwin, Washington and Clarke County residents and those that work, attend school or worship in these counties. At Azalea City Credit Union, we are committed to providing our members with quality financial products and exceptional service.
