USDA Vs. FHA your options comparison in Ruston, Lincoln County, LA
In 2025, the USDA loan limit for Ruston, situated in Lincoln County, LA, is $336,500. Meanwhile, the limit for an FHA single-family home is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, determining the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage tool lets you compare USDA, FHA, Conforming, and VA options side by side, aiding in deciding the best program in to suit your financial needs.
Loan Limits and Down Payment Requirements for 2025 in Ruston, Lincoln County, LA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discovering USDA and FHA Loan Options in Ruston, LA
The mission of Lendersa® is to swiftly secure the best USDA or FHA loan for you, with minimal hassle. Start from one of three paths leading to matching lenders and suitable USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture—also called a USDA rural development loan—is available exclusively in rural locales. Unlike FHA loans that demand a 3.5% down payment, USDA loans require none, broadening access to homeownership.
Jet Lending, LLC was founded on 2004 for the purpose of assisting real estate investors in their purchase of property quickly with as little cash out-of-pocket as possible. We loan money for the purchase and escrow additional funds for repairs. We have originated more than 2,000+ loans for real estate investors in Texas, totaling over $250,000,000.
At i-bank. A bank that is independent minded and not afraid to do things a little differently. A bank focused on customer service and the unique needs of each individual who banks with us. A bank that genuinely cares for our customers and strives to help each of them reach their goals and their own financial independence.
Paragon Bank prides itself on offering superior service based on a combination of banking expertise and local knowledge. A full-service bank with a comprehensive package of banking solutions delivered both in person and online, Paragon bankers provide big bank products and capabilities with community bank personal service.
Spruill Global Funding LLC is dedicated to help business owners find the right loan products for commercial finance, refinancing your existing real estate, purchases, equipment purchasing, merchant cash advances and we offer an array of other products. We service the local Memphis, Cordova, Collierville areas.
We started Local Mortgage to bring something different to the mortgage market. For a while now, customers have had to choose between low rates with technology driven companies, generally sacrificing on service or getting typically higher rates from local loan officers that sometimes offer a higher level of service than their online counterparts.
We are a Lender, not a Broker. All loan decisions and fundings are handled by our in-house staff. By cutting out the middle person, most of the time known as a broker, you get better rates, faster answers, and lower closing costs. We encourage and empower our loan officers to issue “same day” approvals;
At Mortgage Lending Enterprises, LLC (MLE) we have a passion for real estate and making all of our clients extremely satisfied! Specializing in residential and commercial lending we can help make investors’ dreams come true. Offering hard money and private lending in over 45 states!
"We have built a strong reputation throughout Louisiana as a full service
mortgage company, serving the lending needs of individual buyers, real estate professionals and builders.
We provide full service mortgages with an experienced staff offering expertise in every area of mortgage lending"
