Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Louisiana. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Louisiana Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Acadia Parish, LA HUD Metro FMR Area | $306,000 | $391,000 |
| Alexandria, LA MSA | $306,000 | $391,000 |
| Allen Parish, LA | $306,000 | $391,000 |
| Assumption Parish, LA | $306,000 | $391,000 |
| Avoyelles Parish, LA | $306,000 | $391,000 |
| Baton Rouge, LA HUD Metro FMR Area | $306,000 | $391,000 |
| Beauregard Parish, LA | $306,000 | $391,000 |
| Bienville Parish, LA | $306,000 | $391,000 |
| Caldwell Parish, LA | $306,000 | $391,000 |
| Catahoula Parish, LA | $306,000 | $391,000 |
| Claiborne Parish, LA | $306,000 | $391,000 |
| Concordia Parish, LA | $306,000 | $391,000 |
| East Carroll Parish, LA | $306,000 | $391,000 |
| Evangeline Parish, LA | $306,000 | $391,000 |
| Franklin Parish, LA | $306,000 | $391,000 |
| Hammond, LA MSA | $306,000 | $391,000 |
| Houma-Thibodaux, LA MSA | $306,000 | $391,000 |
| Iberia Parish, LA HUD Metro FMR Area | $306,000 | $391,000 |
| Iberville Parish, LA HUD Metro FMR Area | $306,000 | $391,000 |
| Jackson Parish, LA | $306,000 | $391,000 |
| Jefferson Davis Parish, LA | $306,000 | $391,000 |
| La Salle Parish, LA | $306,000 | $391,000 |
| Lafayette, LA HUD Metro FMR Area | $306,000 | $391,000 |
| Lake Charles, LA MSA | $306,000 | $391,000 |
| Lincoln Parish, LA | $306,000 | $391,000 |
| Madison Parish, LA | $306,000 | $391,000 |
| Monroe, LA MSA | $306,000 | $391,000 |
| Morehouse Parish, LA | $306,000 | $391,000 |
| Natchitoches Parish, LA | $306,000 | $391,000 |
| New Orleans-Metairie, LA HUD Metro FMR Area | $306,000 | $391,000 |
| Red River Parish, LA | $306,000 | $391,000 |
| Richland Parish, LA | $306,000 | $391,000 |
| Sabine Parish, LA | $306,000 | $391,000 |
| Shreveport-Bossier City, LA HUD Metro FMR Area | $306,000 | $391,000 |
| St. James Parish, LA HUD Metro FMR Area | $306,000 | $391,000 |
| St. Landry Parish, LA | $306,000 | $391,000 |
| St. Mary Parish, LA | $306,000 | $391,000 |
| Tensas Parish, LA | $306,000 | $391,000 |
| Vermilion Parish, LA HUD Metro FMR Area | $306,000 | $391,000 |
| Vernon Parish, LA | $306,000 | $391,000 |
| Washington Parish, LA | $306,000 | $391,000 |
| Webster Parish, LA HUD Metro FMR Area | $306,000 | $391,000 |
| West Carroll Parish, LA | $306,000 | $391,000 |
| Winn Parish, LA | $306,000 | $391,000 |
