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2025 FHA Loan Limits in Louisiana

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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 range from $524,225 to $1,209,750 for single-family homes in 2025. But in Louisiana, the entire state is subject to the lower FHA loan limit of $524,225.

Here’s what to know about FHA loan limits, as well as other requirements for this type of home loan.

Louisiana FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ACADIA	$524,225	$671,200	$811,275	$1,008,300	$219,000
ALLEN	$524,225	$671,200	$811,275	$1,008,300	$136,000
ASCENSION	$524,225	$671,200	$811,275	$1,008,300	$330,000
ASSUMPTION	$524,225	$671,200	$811,275	$1,008,300	$330,000
AVOYELLES	$524,225	$671,200	$811,275	$1,008,300	$74,000
BEAUREGARD	$524,225	$671,200	$811,275	$1,008,300	$130,000
BIENVILLE	$524,225	$671,200	$811,275	$1,008,300	$89,000
BOSSIER	$524,225	$671,200	$811,275	$1,008,300	$223,000
CADDO	$524,225	$671,200	$811,275	$1,008,300	$223,000
CALCASIEU	$524,225	$671,200	$811,275	$1,008,300	$237,000
CALDWELL	$524,225	$671,200	$811,275	$1,008,300	$146,000
CAMERON	$524,225	$671,200	$811,275	$1,008,300	$237,000
CATAHOULA	$524,225	$671,200	$811,275	$1,008,300	$35,000
CLAIBORNE	$524,225	$671,200	$811,275	$1,008,300	$50,000
CONCORDIA	$524,225	$671,200	$811,275	$1,008,300	$131,000
DE SOTO	$524,225	$671,200	$811,275	$1,008,300	$223,000
EAST BATON ROUGE	$524,225	$671,200	$811,275	$1,008,300	$330,000
EAST CARROLL	$524,225	$671,200	$811,275	$1,008,300	$103,000
EAST FELICIANA	$524,225	$671,200	$811,275	$1,008,300	$330,000
EVANGELINE	$524,225	$671,200	$811,275	$1,008,300	$76,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$119,000
GRANT	$524,225	$671,200	$811,275	$1,008,300	$137,000
IBERIA	$524,225	$671,200	$811,275	$1,008,300	$219,000
IBERVILLE	$524,225	$671,200	$811,275	$1,008,300	$330,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$89,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$275,000
JEFFERSON DAVIS	$524,225	$671,200	$811,275	$1,008,300	$102,000
LAFAYETTE	$524,225	$671,200	$811,275	$1,008,300	$219,000
LAFOURCHE	$524,225	$671,200	$811,275	$1,008,300	$159,000
LASALLE	$524,225	$671,200	$811,275	$1,008,300	$144,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$210,000
LIVINGSTON	$524,225	$671,200	$811,275	$1,008,300	$330,000
MADISON	$524,225	$671,200	$811,275	$1,008,300	$106,000
MOREHOUSE	$524,225	$671,200	$811,275	$1,008,300	$165,000
NATCHITOCHES	$524,225	$671,200	$811,275	$1,008,300	$155,000
ORLEANS	$524,225	$671,200	$811,275	$1,008,300	$275,000
OUACHITA	$524,225	$671,200	$811,275	$1,008,300	$165,000
PLAQUEMINES	$524,225	$671,200	$811,275	$1,008,300	$275,000
POINTE COUPEE	$524,225	$671,200	$811,275	$1,008,300	$330,000
RAPIDES	$524,225	$671,200	$811,275	$1,008,300	$137,000
RED RIVER	$524,225	$671,200	$811,275	$1,008,300	$122,000
RICHLAND	$524,225	$671,200	$811,275	$1,008,300	$146,000
SABINE	$524,225	$671,200	$811,275	$1,008,300	$123,000
ST. BERNARD	$524,225	$671,200	$811,275	$1,008,300	$275,000
ST. CHARLES	$524,225	$671,200	$811,275	$1,008,300	$275,000
ST. HELENA	$524,225	$671,200	$811,275	$1,008,300	$330,000
ST. JAMES	$524,225	$671,200	$811,275	$1,008,300	$275,000
ST. JOHN THE BAPTIST	$524,225	$671,200	$811,275	$1,008,300	$275,000
ST. LANDRY	$524,225	$671,200	$811,275	$1,008,300	$100,000
ST. MARTIN	$524,225	$671,200	$811,275	$1,008,300	$219,000
ST. MARY	$524,225	$671,200	$811,275	$1,008,300	$105,000
ST. TAMMANY	$524,225	$671,200	$811,275	$1,008,300	$275,000
TANGIPAHOA	$524,225	$671,200	$811,275	$1,008,300	$220,000
TENSAS	$524,225	$671,200	$811,275	$1,008,300	$94,000
TERREBONNE	$524,225	$671,200	$811,275	$1,008,300	$159,000
UNION	$524,225	$671,200	$811,275	$1,008,300	$165,000
VERMILION	$524,225	$671,200	$811,275	$1,008,300	$219,000
VERNON	$524,225	$671,200	$811,275	$1,008,300	$150,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$77,000
WEBSTER	$524,225	$671,200	$811,275	$1,008,300	$90,000
WEST BATON ROUGE	$524,225	$671,200	$811,275	$1,008,300	$330,000
WEST CARROLL	$524,225	$671,200	$811,275	$1,008,300	$120,000
WEST FELICIANA	$524,225	$671,200	$811,275	$1,008,300	$330,000
WINN	$524,225	$671,200	$811,275	$1,008,300	$117,000

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 both a floor and a ceiling, with the floor used in low-cost areas and the ceiling used in high-cost areas. All counties in Louisiana are subject to the limit floor, 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 $806,500 in 2025, and 65% of that is $524,225. The limit for high-cost areas is 150% of the national conforming loan limit for one-unit properties.

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 mortgages, making it easier for some borrowers to qualify. Loan requirements include:

Credit score: You’ll need a minimum credit score of at least 580 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 credit scores of 580 or higher and 10% for borrowers with credit scores of 500 to 570.
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.

Buying a multifamily property with an FHA loan

You can use an FHA loan to purchase a single-family or multifamily property (meaning one with either two, three or four units). Like FHA loans for single-family homes, multifamily home loans are available with down payments as low as 3.5%, but have higher loan limits. This could be an excellent opportunity for house hacking, or renting out one or more units in your home to help cover your monthly mortgage payment.