2026 FHA Loan Limits in Louisiana
FHA loans, which are backed by the Federal Housing Administration (FHA), provide an excellent opportunity for borrowers with lower credit scores to buy homes. Nationally, maximum loan limits on FHA loans in 2026 range from $541,287 to $1,249,125 for single-family homes. But in Louisiana, the entire state is subject to the lower FHA loan limit of $541,287.
Here’s what to know about FHA loan limits, as well as other requirements for this mortgage type.
Louisiana FHA loan limits by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ACADIA PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $222,000 |
| ALLEN PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $80,000 |
| ASCENSION PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| ASSUMPTION PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| AVOYELLES PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $82,000 |
| BEAUREGARD PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| BIENVILLE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $98,000 |
| BOSSIER PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $233,000 |
| CADDO PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $233,000 |
| CALCASIEU PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $196,000 |
| CALDWELL PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $136,000 |
| CAMERON PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $196,000 |
| CATAHOULA PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $107,000 |
| CLAIBORNE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| CONCORDIA PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $137,000 |
| DE SOTO PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $233,000 |
| EAST BATON ROUGE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| EAST CARROLL PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $113,000 |
| EAST FELICIANA PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| EVANGELINE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $55,000 |
| FRANKLIN PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $142,000 |
| GRANT PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $148,000 |
| IBERIA PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| IBERVILLE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| JACKSON PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $83,000 |
| JEFFERSON DAVIS PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $196,000 |
| JEFFERSON PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| LA SALLE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $176,000 |
| LAFAYETTE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $222,000 |
| LAFOURCHE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| LINCOLN PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $213,000 |
| LIVINGSTON PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| MADISON PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $110,000 |
| MOREHOUSE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| NATCHITOCHES PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| ORLEANS PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| OUACHITA PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| PLAQUEMINES PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| POINTE COUPEE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| RAPIDES PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $148,000 |
| RED RIVER PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| RICHLAND PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| SABINE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| ST. BERNARD PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| ST. CHARLES PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| ST. HELENA PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| ST. JAMES PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| ST. JOHN THE BAPTIST PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| ST. LANDRY PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| ST. MARTIN PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $222,000 |
| ST. MARY PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| ST. TAMMANY PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $281,000 |
| TANGIPAHOA PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $222,000 |
| TENSAS PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $97,000 |
| TERREBONNE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| UNION PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| VERMILION PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $222,000 |
| VERNON PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| WASHINGTON PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $80,000 |
| WEBSTER PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| WEST BATON ROUGE PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| WEST CARROLL PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $118,000 |
| WEST FELICIANA PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $309,000 |
| WINN PARISH | $541,287 | $693,050 | $837,700 | $1,041,125 | $124,000 |
How are FHA loan limits determined?
FHA loan limits are calculated using the area’s median house price, as required by the National Housing Act. Loan limits vary by metropolitan statistical area (MSA) and by county.
FHA loan limits have a national floor and a ceiling, with the floor used in low-cost areas and the ceiling used in high-cost areas (though many counties in the U.S. have a loan limit that’s somewhere in between). All counties in Louisiana must adhere to the floor for 2026, meaning the lowest loan limit.
The FHA loan limit for low-cost areas is set at 65% of the national conforming loan limit for one-unit properties. The national conforming loan limit is $832,750 in 2026, and 65% of that is $541,287. The limit for high-cost areas is 150% of the national conforming loan limit for one-unit properties: $1,249,125.
How to qualify for an FHA loan in Louisiana
Just like other types of mortgages, FHA loans have a set of requirements you’ll have to meet to qualify for a loan. Many (though not all) FHA loan requirements are more lenient than those for conventional loans, making it easier for some borrowers to qualify. Loan requirements include:
- Credit score: You’ll need a minimum 580 credit score to qualify for an FHA loan with 3.5% down. You can qualify with a score as low as 500, but that requires a larger down payment.
- Down payment: The minimum down payment on an FHA loan is 3.5% for borrowers with 580 credit scores or higher and 10% for borrowers with credit scores between 500 and 579.
- Debt-to-income ratio: The maximum debt-to-income (DTI) ratio to qualify for an FHA loan is 43% for most borrowers. However, you may exceed that number if you have a larger down payment, cash reserves or a proven history of being able to pay more toward your housing expenses.
- Mortgage insurance: All FHA loans require an upfront mortgage insurance premium (MIP) of 1.75%. Additionally, you’ll pay an annual MIP based on your loan amount and term. You’ll pay MIP for either 11 years or the entirety of your loan term, depending on your down payment.
- Appraisal: Any home purchased using an FHA loan is required to go through an appraisal, which is how the lender determines both the property value and whether the home meets the minimum requirements for an FHA loan.
- Occupancy: At least one borrower on an FHA loan must plan to use the home as their primary residence within 60 days of closing. You or your co-borrower must continue to live in the home for at least a year.
- Cash reserves: You may need to show cash reserves, meaning enough money to cover at least one month of your mortgage payment. This money can come from checking or savings accounts, assets you can sell (like stocks or vehicles), or funds from retirement or insurance accounts.
Buying a multifamily property with an FHA loan
You can use an FHA loan to purchase a single-family or multifamily property (meaning a home with two, three or four units). This can be an excellent opportunity for house hacking, which is renting out one or more units of the property you live at.
However, to take advantage of an FHA loan for a multifamily property, you’ll need to meet these additional guidelines:
- Occupancy: You must live in the property for at least one year, though additional rooms and units can be rented out.
- Cash reserves: You’ll need to show you have cash savings equivalent to at least three months’ worth of mortgage payments if you’re buying a three- or four-unit property. For two-unit properties where one of the units is an accessory dwelling unit (ADU), you’ll need two months’ worth.
- Income: You need proof of consistent, stable income from the past two years. If you plan to rent out additional units or have a roommate, that potential rental income may be included in your DTI ratio, which could increase your borrowing power.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Louisiana
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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