FHA Loan Limits in Louisiana (2026)
For 2026, the FHA loan limit in most Louisiana counties is $541,287 for a single-family home. Louisiana has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Louisiana
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| East Baton Rouge County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jefferson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Orleans County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Tammany County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lafayette County | $541,287 | $692,997 | $1,041,072 | Standard |
| Caddo County | $541,287 | $692,997 | $1,041,072 | Standard |
| Calcasieu County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ouachita County | $541,287 | $692,997 | $1,041,072 | Standard |
| Livingston County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rapides County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bossier County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tangipahoa County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ascension County | $541,287 | $692,997 | $1,041,072 | Standard |
| Terrebonne County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Landry County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lafourche County | $541,287 | $692,997 | $1,041,072 | Standard |
| Iberia County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Charles County | $541,287 | $692,997 | $1,041,072 | Standard |
| Vermilion County | $541,287 | $692,997 | $1,041,072 | Standard |
| Acadia County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Martin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Natchitoches County | $541,287 | $692,997 | $1,041,072 | Standard |
| Webster County | $541,287 | $692,997 | $1,041,072 | Standard |
| Vernon County | $541,287 | $692,997 | $1,041,072 | Standard |
Louisiana's median home price is roughly $225,000. With 3.5% down, an example FHA payment near that price is about $1,783/month including MIP, taxes, and insurance.
Buying with an FHA loan in Louisiana
FHA loans are popular with first-time buyers in Louisiana because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Louisiana for 2026?
- Most Louisiana counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Louisiana?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.