USDA VS FHA in Merrydale, East Baton Rouge County, LA

In 2025, the USDA loan limit for the city of Merrydale in East Baton Rouge county, LA is $336,500, while the FHA limit for a single-family home is set at $472,030.

Utilize the Lendersa® USDA loan calculator to compare the most favorable rates between USDA and FHA loans available today. Determine the necessary income, credit, reserves, and required documentation for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, helping you select the best program for your specific financial needs in .

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2025 Loan Limits and Down Payment Requirements in Merrydale, East Baton Rouge, 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 Merrydale, LA

Lendersa® is dedicated to securing the optimal USDA or FHA loan for you quickly and without hassle. You can choose from one of three starting points that connect you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in LA

USDA home loans, also known as USDA rural development loans, are guaranteed by the U.S. Department of Agriculture and available in rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA mortgages do not require any down payment, providing a significant advantage to qualified applicants.

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



  • First Banc Home Loans
  • 10802 Downey Ave, Downey, CA, 90241
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Downey Capital Mortgage Inc.
  • 8255 Firestone Boulevard, Suite 101B, Downey, CA, 90241
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Escala Financial
  • 8255 Firestone Boulevard, Suite 301, Downey, CA, 90241
  • Escala Financial, your trusted guide through the sometimes confusing and murky waters of home loans. Since our founding in 2009, we have helped hundreds of families through personalized service and programs that achieve their personal financial goals. Whether you’re a new home buyer, want to refinance or are ready to retire.
  • El Camino Mortgage
  • 8141 Firestone Boulevard, Downey, CA, 90241
  • "Adriana Verduzco began her Real Estate / Mortgage Career in 1999 and remains dedicated to serving the members of the Los Angeles County and surrounding areas. In 2006, Adriana became owner of El Camino Real Estate Investments and El Camino Mortgage. Adriana is continually among those at the pinnacle in Real Estate Sales"
  • Square Lending
  • 10237 Hopeland Avenue, Downey, CA, 90241
  • We're a growing team covering all corners of Southern California. Beyond passionate about all things real estate, we're determined to changing how the industry operates. We strive for seamless experiences & to educate our clients to becoming experts in real estate. To put it simple, we love what we do & we're set out to make sure you love it too.
  • MARCAR Real Estate Brokers Corp.
  • 11027 Downey Avenue, Downey, CA, 90241
  • MARCAR Brokers is a family business with over 40 years of combined experience amongst our team. Our team includes real estate brokers and Mortgage Loan Officers and will be able to support your every need during your next transaction. Our team is full of talented individuals that not only have a passion.
  • Real Consultants
  • 8141 2nd Street, Suite 420, Downey, CA, 90241
  • REAL CONSULTANTS MORTGAGE AND REAL ESTATE SERVICES INC., we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans and also We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.
  • G & V Options & Solutions Inc.
  • 10630 Downey Avenue, Suite 100B, Downey, CA, 90241
  • We have a Residential and Commercial Team both are certified for REO’s and Short Sales. We can cover all of our diverse clients’ necessities. Our Expert team includes a Utilities Specialist, Field Representative, License Appraisal / BPO’s Specialist, Transaction Coordinator, Offers Coordinator.
  • Inbanet Real Estate Lending & Investments
  • 8141 2nd St, Suite 347, Downey, CA, 90241
  • Inbanet is a premier direct hard money and non prime lender for commercial and investment residential (strictly for business purpose) properties nationwide with a consortium of strong private label investors, hedge funds, private equity companies and family offices to facilitate quick