USDA and FHA Pro and Con in Raceland, Lafourche County, LA
In 2026, the USDA loan limit for Raceland, within Lafourche, LA, is $336,500. Meanwhile, the FHA limit for a single-family dwelling is $472,030.
Utilize the Lendersa® USDA loan calculator to assess and compare today's best USDA versus FHA rates. Identify the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best choice for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Raceland, Lafourche, 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 Opportunities in Raceland, LA
Lendersa®'s mission is to provide you with the best USDA or FHA loan quickly and smoothly. Choose one of three starting points that connect you to matching lenders and USDA loan programs.
The USDA home loan, assured by the U.S. Department of Agriculture and also known as the USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages require no down payment at all.
United Community Bank is a full-service financial institution offering all the things that bigger banks offer, and one thing they don't: local people with a commitment to providing personal service and United Community Bank was formed in 1964 in Lafourche Parish. Over the years we've branched out to serve a five-parish region covering Lafourche.
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.
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.
Cedotal Mortgage Company is committed to helping you find the ideal mortgage product for your specific financing needs. We understand that every borrower is unique and we offer a variety of products to meet each of your individual needs. We make the process of securing a mortgage simple
Some customers may need more assistance than can be provided by an Online Banking site. It is for this reason that First National Bank USA continues to provide additional auxiliary aids and services, including accepting toll-free telephone calls from customers who may have questions or need assistance regarding their accounts
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.
Barton Plant Employees' Federal Credit Union is a member-owned and operated financial institution, existing to help achieve the financial needs of our members, through dedicated and efficient personal service.
Once you become a member, you are always a member, as long as your account remains open.
La Terre Federal Credit Union is organized & dedicated to providing affordable financial services & products to our member-owners. Members can rest assured that our credit union is financially strong and that we operate using sound business practices. Our focus is to continue the growth of our credit union while providing excellent member service.
In 1967, ten Terrebonne Parish School System Employees (Mr. L. L. Streams, President, Mrs. Genevieve Gauno, Mr. W. J. Danks, Mrs. Helen C. Bryant, Mrs. Evelyn T. Johnson, Mrs. Martha L. Townsend, Mrs. Fledia W. Calloway, Mrs. Estelle M. Moseley, Mrs. Hazel Hawkins Navarre and Mr. Willie W. Gaither).
