FHA Loan Limits in Vermilion County, Louisiana (2026)
In Vermilion County — anchored by Vermilion County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Vermilion County to the edges of Vermilion County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby East Baton Rouge and Jefferson Counties.
Affording a home in Vermilion County & Vermilion County
With Vermilion County's median sale price estimated near $246,000 (think Vermilion County), the FHA down payment is roughly $8,610. Factoring Louisiana property taxes near 0.56%, expect about $1,828 monthly, pointing to income near $71,000 — above Louisiana's $57,852 median household income, so budget carefully.
FHA payment scenarios in Vermilion County
Whether you are buying in Vermilion County or a smaller Vermilion County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $177,000 | $6,195 | $1,348 |
| Local median — $246,000 | $8,610 | $1,828 |
| At the FHA limit — $541,287 | $18,945 | $3,881 |
Estimates include FHA MIP plus Louisiana property taxes and insurance. Rates move daily near Vermilion County too — get notified.
First-time buyers make up much of FHA activity in Vermilion County and across Vermilion County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,610 needed on a median Vermilion County home.
Multi-unit FHA limits in Vermilion County
Investors and house-hackers in Vermilion County and across Vermilion County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Vermilion County for 2026?
- In Vermilion County (Vermilion County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Vermilion County with FHA?
- For a median-priced ($246,000) Vermilion County home, plan on income around $71,000 at a 31% housing ratio — about $1,828/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Vermilion County?
- 3.5% with a 580+ score — roughly $8,610 on a $246,000 Vermilion County-area home. Gift funds are allowed.
- Is Vermilion County a high-cost FHA area?
- No — Vermilion County uses the $541,287 national floor for one unit.