USDA Loan Vs. FHA loan for South-Vacherie, LA [ best of 2023]

In 2025, USDA loan limit in South-Vacherie, county of St. James, LA is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in South-Vacherie, LA

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What is USDA Loan in Louisiana?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(844) 823-8262 22 miles Lender's profile and map Reviews Advanced Commercial Capital 2416 S Philippe, Gonzales, LA, 70737 Advanced Commercial Capital strives to provide business owners and investors the best possible commercial financing solution to assist with the growth and success of their business. We provide a wide variety of funding options that have been created to support all aspects of all business shapes and sizes.
(225) 756-2411 22 miles Lender's profile and map Reviews Courtyard Mortgage Company 40472 La-621, Suite B, Gonzales, LA, 70737 Thank you for taking an interest in Courtyard Mortgage Company. For over 13 years we have assisted many families in fulfilling their dream of home ownership and/or refinancing. We would love for you to contact our team, and a Loan Officer of your choice. We are here to guide you through any of your home loan needs
(225) 433-0804 22 miles Lender's profile and map Reviews The Lending Smith Mortgage LLC 39510 Legacy Lake Drive, Gonzales, LA, 70737 We are a full-service mortgage company based in Gonzales, LA. We specialize in Home Purchase Loans and Refinance in Gonzales, and all Parishes throughout Louisiana. Whether you are buying a home or refinancing in Louisiana, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
(985) 876-4100 23 miles Lender's profile and map Reviews SOUTHERN MORTGAGE LENDING, INC., 6652 West Park Ave., Houma, LA, 70364 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.
(225) 673-3371 25 miles Lender's profile and map Reviews Geismar Complex Federal Credit Union 35294 Highway 30, Geismar, LA, 70734 Since its inception in 1980 the Geismar Complex Federal Credit Union has been serving its members in the GEISMAR, Louisiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed.
(225) 673-7191 25 miles Lender's profile and map Reviews Wymar Federal Credit Union 37269 Hwy 30, Geismar, LA, 70734 Wymar Federal Credit Union is a member-owned financial institution, offering a wide range of financial services to our member-owners at the best possible prices, lowest rates and highest level of service. Our field of membership consists of BASF employees and their immediate families. We look at our members as much more than that, they are family.
(866) 865-3636 26 miles Lender's profile and map Reviews La Terre Federal Credit Union 701 Barrow Street, Houma, LA, 70360 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.
(985) 876-6269 26 miles Lender's profile and map Reviews T.E.A. Federal Credit Union 7220 Main Street, Houma, LA, 70360 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).
(985) 851-3434 26 miles Lender's profile and map Reviews South Louisiana Bank 1362 West Tunnel Blvd, Houma, LA, 70360 At South Louisiana Bank, we offer a real commercial banking advantage over the big banks in our area. We pride ourselves on local decision making and servicing of our commercial loans. Our commercial lending staff is well versed in all aspects of corporate finance and they provide a customer-focused approach to banking.
(985) 868-5950 26 miles Lender's profile and map Reviews Allegiance Home Lending 430 Corporate Dr, Suite C, Houma, LA, 70360 Allegiance Home Lending is a reputable mortgage lending firm headquartered in Houma, LA. We have an array of aggressive loan programs to finance the purchase of or refinance your dream property. We offer conventional, FHA, jumbo, USDA, and VA loans as well as refinancing and purchasing aid.
(985) 857-8524 26 miles Lender's profile and map Reviews La Maison Mortgage Corporation 521 Goode St., Houma, LA, 70360 La Maison, we're here to help take the mystery and stress out of lending transactions. After all, we want you to be happy in your new home or business and we want a good rate and payment plan for our buyers. Our hours are flexible to accommodate your busy work schedule and we're ready to answer any questions you may have.
(225) 744-3541 26 miles Lender's profile and map Reviews Gulf Mortgage Group, LLC 38034 Post Office Road, Suite A, Prairieville, LA, 70769 Gulf Mortgage Group, 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