USDA Vs. FHA your options comparison in Opelousas, St. Landry County, LA
In 2026, the USDA loan limit for Opelousas, located in St. Landry County, LA, is $336,500. Simultaneously, for a single-family home, the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates and determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide the optimal program in for your financial needs.
2026 Loan Limits and Down Payment Requirements in Opelousas, St. Landry 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 Opelousas, LA
The mission of Lendersa® is to provide you the best possible USDA or FHA loan efficiently and without hassle. Start from one of three pathways that link to matching lenders and appropriate USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as a USDA rural development loan, is available solely in rural locales. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need no down payment, offering more accessible homeownership.
The American Bank & Trust Company opened in Opelousas, Louisiana on September 22, 1958. The Bank was founded by Frank J. Diesi, who was determined to implement his vision of what banking should be. That vision became a tradition that is still alive and flourishing today at American Bank & Trust Company.
St. Landry Homestead Federal Savings Bank is a community bank that’s proud to offer good, ol’ fashioned service combined with the technology tools you expect from a cutting-edge financial partner. At The Homestead, we are focused on fueling business and improving lives across our region.
Long gone are the days where your savings account was located under your mattress. You need a bank you can depend on to provide the best and most beneficial financial services for the security of you and your family. Bank of Sunset and Trust Co. is just the financial institution to do so. This Louisiana-based bank, opened more than 100 years ago.
Washington State Bank is an independent, locally-owned community bank. We offer modern and efficient systems in order to provide excellent products and services.
Personal and Business Banking Available Checking Accounts, Savings Accounts, Loans, Mortgages, etc. The types of personal information we collect and share depend on the product
The IBERIABank philosophy is to exceed client satisfaction by delivering unparalleled customer service at every point of contact. We are committed to offering products and services customized to meet your financial needs. We provide a comprehensive financial product line including Retail, Commercial, Private Banking,
MortgageSolutions360 is a mortgage broker designed to make your experience fast and easy. We offer the experience to offer you the information that will help you make the best decisions. With several lenders to choose from, we are able to offer you the lowest rates and best service possible. WE MAKE IT EASY.
The Evangeline Bank and Trust Company is an independent banking company that provides banking services to consumer and business customers in its normal area of operation. Our goal is to meet the banking needs of our communities served with outstanding customer service while taking active roles in our local communities.
All banks claim to be the best dwelling for your money. When you are looking for the best place to bank, know that at Rayne State Bank customer service is priority #1 , we guarantee it. It is our hope that at Rayne State Bank you will get a clear indication of what we stand for: integrity, excellence and professionalism.
Credit Union has been open since 1942. The credit union has assets totaling $26.64 Million and provides banking services to more than 4, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans and other financial services to members.
