In 2025, 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.
2025 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.
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