USDA Vs. FHA Pro and Con comparison in Laplace, St. John the Baptist County, LA
In 2026, the USDA loan limit in Laplace, within St. John the Baptist County, LA, is $336,500. For a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates, determining the income, credit, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA programs side by side, helping you select the best option in for your financial needs.
2026 Loan Limits and Down Payment Requirements in Laplace, St. John the Baptist 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 Options in Laplace, LA
Lendersa® aims to quickly and easily find you the best USDA or FHA loan possible. Start with one of three approaches leading to matched lenders and prospective USDA loans.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan, is available solely in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require none, providing more accessible homeownership.
Louisiana Federal Credit Union has been open since 1935. It's the 11th largest credit union in Louisiana with assets totaling $473.99 Million and providing banking services to more than 36, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
Lakeside Mortgage, Inc. is a full service mortgage brokerage firm located in Kenner and licensed in Louisiana. We lend on 1-4 unit residential properties for primary residence, second home and investment properties. We originate Conventional, FHA, V.A. and R.D. loans. Lakeside Mortgage was established in 1999
The KPC Group was created in 2010 from virtual scratch. There was no formal education, nor any specific direction in which the company would be taken. The model was born and developed on the fly with the idea of bringing supply and demand together in the non-bank, alternative finance space. At the core, having a knack for cultivating new relations
5500 Veterans Memorial Boulevard, Suite 100, Metairie, LA, 70003
Lends in Louisiana
Xplore Federal Credit Union is a full-service financial institution serving the communities of Orleans and Jefferson parishes. With over 70 years of banking experience and services to fulfill all needs, Xplore is the ideal partner for financial success.
Jefferson Financial Federal Credit Union is a member-owned, not-for-profit financial institution serving more than 50, 000 members with fourteen locations across south Louisiana.
Originally chartered in 1966, the first JFFCU branch was located on the second floor of a floral shop and existed primarily to serve employees
Mutual is your hometown servicer of mortgage loans. You can rest assured, when you choose Mutual, you’re not only choosing a safe and secure option for your loans, but also a local bank with local underwriting. We have been financing homes here for 130 years. We not only know the neighborhoods, we live in them.
Originally chartered in 1935, GNO was organized by employees of the New Orleans Bell Telephone Employees Federal Credit Union. Their goal, as was the goal of all company credit unions, was to provide a safe haven for their employees to save and then borrow from that pool of savings to achieve their dreams in life.
Total Choice Federal Credit Union is a community based financial cooperative formed for the purpose of encouraging savings, offering loans and providing a wide range of financial service for the people that live, work, worship or attend school in the parishes of St. Charles, St. James and St. John the Baptist.
18300 S I-12 Service Road, Suite 100, Ponchatoula, LA, 70454
Lends in Louisiana
CTH Mortgage is a residential mortgage lender licensed in Louisiana and Mississippi. Home financing is an important decision and we are committed to making your purchase We offer a variety of residential mortgage products including Construction loan programs such as One Time Close Construction and Conventional and Government programs.
