USDA Vs. FHA your options comparison 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 .
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.
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.
River Region Federal Credit Union has been open since 1960. The credit union has assets totaling $41.43 Million and provides banking services to more than 2, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
First American offers comprehensive financial products and services for investing in a brighter future for its customers. A strong, independent community bank, First American Bank and Trust is closely tied to the businesses, organizations and citizens in each community it serves. On December 3, 1910,First American Bank and Trust was chartered.
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.
Ascension Credit Union, a not-for-profit, full-service financial institution, is Ascension Parish’s only Community Financial Institution dedicated to serving Ascension Parish Residents! Structured as a financial cooperative, the credit union is owned and operated entirely by its membership - by the people of Ascension Parish.
Advanced Commercial Capital strives to provide business owners and investors the best possible commercial financing solution to assist with the growth and success of their business. We provide a wide variety of funding options that have been created to support all aspects of all business shapes and sizes.
Thank you for taking an interest in Courtyard Mortgage Company. For over 13 years we have assisted many families in fulfilling their dream of home ownership and/or refinancing. We would love for you to contact our team, and a Loan Officer of your choice. We are here to guide you through any of your home loan needs
We are a full-service mortgage company based in Gonzales, LA. We specialize in Home Purchase Loans and Refinance in Gonzales, and all Parishes throughout Louisiana. Whether you are buying a home or refinancing in Louisiana, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
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.
American South specializes in a seamless home buying experience. We are a local company focused on the client throughout the entire loan process and here to guide you every step of the way. Our customers like us because we offer competitive rates and fees, quick turnarounds on their loans, and great customer service.
