USDA Loan Vs. FHA loan pro & con Rayville, Richland County, LA

As of 2025, the USDA loan limit in Rayville, within Richland, LA, reaches $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to assess and compare today's finest USDA versus FHA rates. Determine the essential income, credit quality, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you view USDA, FHA, Conforming, and VA options side by side to help decide which program in fits your specific financial scenario best.

USDA and FHA Loan Options in Rayville, LA

Lendersa® is committed to swiftly helping you find the optimal USDA or FHA loan without complications. Begin with one of the three suggested pathways to locate compatible lenders and USDA loan programs to suit your needs.

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Understanding USDA Loans in LA

The USDA home loan, also known as the USDA rural development loan, is backed by the U.S. Department of Agriculture and is available solely in rural neighborhoods. It does not mandate any down payment, unlike FHA loans which require at least a 3.5% down payment.

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(334) 702-7774 Lender's profile and map Reviews MidSouth Bank 2526 West Main Street, Dothan, AL, 36301 At MidSouth Bank, our roots have long been established in independent, community Banking. Founded in January 1912, during an era when many community leaders across the nation formed Banks to meet the needs of neighborhood families and business owners, we opened our doors with just $18, 000 in assets.
(512) 243-7430 Lender's profile and map Reviews SouthStar Bank 5925 Steiner Ranch Blvd, Austin, TX, 78732 SouthStar Bank, S.S.B. (headquartered in Moulton, TX) specializes in residential mortgage, real estate, and construction lending, operating 15 full-service branches across the Central Texas region. Established in 1920, the bank holds over $1 billion in assets and focuses on community involvement and personal relationships.
(281) 733-2816 Lender's profile and map Reviews Oasis Mortgage and Realty LLC 7086 Comanche Trl, Austin, TX, 78732 We strive to get the best deal as we are partnered with the largest wholesale lenders. Our Traditional products include Conventional, Jumbo, FHA, VA, & USDA loans. Market-leading pricing means we can offer you some of the lowest rates available. Residential Mortgage Brokerage with the Nation Largest Lender can give you the best competitive rates
(800) 467-3032 Lender's profile and map Reviews Guaranty Home Mortgage Corporation 10 Lea Avenue, Suite 800, Nashville, TN, 37210 Since 1985, Guaranty Home Mortgage Corporation, (GHMC) has been a market leader in mortgage lending. In 2019 GHMC transformed from a Federally Registered entity to an Independent Mortgage Banker and is currently licensed in 48 states. GHMC originates and purchases loans nationally through multiple channels.
(888) 313-7837 Lender's profile and map Reviews Innovations Federal Credit Union PO Box 16267, Panama City Beach, FL, 32407 Innovations is not a bank. We’re a credit union. We’re a not-for-profit financial cooperative, made up of a bunch of wonderful members–all of whom have some kind of connection to Bay County. If you live, work, worship, volunteer, or attend school in Bay County, Florida, you’re eligible to join. Business and other legal entities are in too.
(512) 573-9546 Lender's profile and map Reviews Westate Mortgage & Realty LLC 1404 Olympus Drive, Austin, TX, 78733 At Westate Mortgage & Realty, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
(512) 522-5818 Lender's profile and map Reviews Wang Mortgage LLC 2009 Vervain Court, Austin, TX, 78733 We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.
512 394 7114 Lender's profile and map Reviews Thrive Lending 809 Cuernavaca Dr N, Austin, TX, 78733 Thrive Lending, we see you, and then we see your property. What does that mean? First and foremost, it means we define our success as your success. It means we view lending as a way to elevate your economics through carefully calculated financial risks designed to help your profitability. The reality is that the hard money industry has a bit of a “
(855) 663-8328 Lender's profile and map Reviews Veritas Federal Credit Union 685 Ken Pilkerton Drive, Smyrna, TN, 37167 Veritas Federal Credit Union is a Federally Chartered, Federally Insured Independent Financial Institution originally chartered on July 13, 1973 to serve the employees of Nissan Motor Corporation and other employers.Credit Union is a Federally Chartered, Federally Insured Independent Financial Institution originally chartered on July 13, 1973.
(800) 872-5363 Lender's profile and map Reviews USA Lending Group, Inc 1200 Barton Creek Blvd, Unit 64, Austin, TX, 78735 We are a technology-driven company and offer a level of customer service second to none. “Low Rates, Low Fees, and Fast Closings, ” is our motto and describes why Texas residents choose USA Lending Group for their Texas Home Loans. With an array of Texas home loan programs to choose from,
(830) 370-3576 Lender's profile and map Reviews Kellibrooke Mortgage Partners, LLC 4201 Sun Spirit Dr, Austin, TX, 78735 We are a boutique mortgage brokerage serving friends and family who desire guidance by a trusted professional. We are one voice for you in the craziness of internet spammers and information overload. Kellibrooke Mortgage Partners, LLC, is a family owned mortgage brokerage founded by Leighann Laviolette.