Louisiana FHA Loan Limits 2026

View FHA loan limits for all 64 counties in Louisiana. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$541,287

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Louisiana has 64 standard-limit counties. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Acadia Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Allen Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ascension Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Assumption Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Avoyelles Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Beauregard Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bienville Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bossier Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Caddo Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Calcasieu Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Caldwell Paris	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cameron Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Catahoula Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Claiborne Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Concordia Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
De Soto Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
East Baton Rou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
East Carroll P	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
East Feliciana	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Evangeline Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Paris	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grant Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Iberia Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Iberville Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Davi	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
La Salle Paris	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lafayette Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lafourche Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Livingston Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Morehouse Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Natchitoches P	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Orleans Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ouachita Paris	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Plaquemines Pa	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pointe Coupee	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rapides Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Red River Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Richland Paris	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sabine Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Bernard Pa	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Charles Pa	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Helena Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. James Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. John The B	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Landry Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Martin Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Mary Paris	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Tammany Pa	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tangipahoa Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tensas Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Terrebonne Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Union Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Vermilion Pari	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Vernon Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Par	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Webster Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
West Baton Rou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
West Carroll P	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
West Feliciana	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Winn Parish	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Louisiana

Use the calculator below with Louisiana pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

Free, no obligation. Local professionals compete to help you.

Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

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Understanding FHA Loan Limits in Louisiana

FHA loan limits in Louisiana vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Louisiana's single-family FHA limits range from $541,287 to $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.