USDA VS FHA in Lutcher, St. James County, LA

In the year 2026, the USDA loan limit for Lutcher in St. James county, LA is listed as $336,500. For single-family homes, the FHA limit is $472,030.

Lendersa® offers a USDA loan calculator for comparing today's best USDA and FHA rates, allowing you to evaluate income, credit, reserves, and required documents for qualification. You can review USDA, FHA, Conforming, and VA loans side-by-side using our advanced mortgage calculator to select the best option for your financial needs in .

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2026 Loan Limits and Down Payment Requirements for Lutcher, St. James, LA

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Lutcher, LA

Lendersa® aims to help you find the top USDA or FHA loan swiftly and with ease. Choose one of three ways leading to suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in LA

The USDA home loan, also called the USDA rural development loan or mortgage, is insured by the U.S. Department of Agriculture. It's available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage needs none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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