For the year 2026, the USDA loan limit in Poydras, within St. Bernard county of LA, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Explore today’s best USDA versus FHA rates using the Lendersa® USDA loan calculator, determining the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you discern the best program for your financial needs, especially in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to swiftly secure the best possible USDA or FHA loan without hassle. Choose from three starting points to connect with lenders and uncover USDA loan programs that best suit your needs.
The USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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