Louisiana 64-Parish 2026 Conforming ($832,750) and FHA ($541,287) Loan Limits — Bayou Breezeway
Updated October 2026
For a one-unit Louisiana home in 2026, $832,750 is the baseline conforming loan limit across all 64 parishes. The FHA one-unit floor is $541,287. These figures describe mortgage principal limits, not a universal ceiling on the price of a house you can purchase.
Statewide conforming treatment simplifies the map
Louisiana has no parish receiving a higher one-unit conforming high-cost limit in 2026. A qualifying conventional mortgage in Caddo, East Baton Rouge, Orleans, or St. Tammany therefore uses the same $832,750 baseline.
A purchase above that amount does not automatically require jumbo financing. For example, a $900,000 purchase with a $100,000 down payment produces an $800,000 base loan, below the conforming threshold. Conversely, financing above the applicable limit generally moves a one-unit conventional transaction into jumbo territory.
Check FHFA Loan Limits when evaluating the property type and year. Two-, three-, and four-unit properties have different limits; do not apply the one-unit number to an entire small multifamily building.
FHA uses its own limit framework
The 2026 FHA floor of $541,287 is separate from the conforming limit. Use HUD FHA Mortgage Limits to confirm the selected parish, calendar year, and number of units. The floor is the starting reference, not a substitute for the property-specific lookup.
| Question | Why it matters |
|---|---|
| Is this one unit or multiple units? | Unit count changes applicable limits |
| What is the base mortgage amount? | Purchase price alone does not determine eligibility |
| Is FHA upfront mortgage insurance financed? | FHA distinguishes base financing from permitted financed insurance |
| Is the borrower using assistance? | Program caps can be tighter than federal mortgage limits |
FHA mortgage insurance, conventional mortgage insurance, and jumbo pricing also differ. Compare payment and closing cash rather than treating the highest available limit as a borrowing target.
Apply the limits to an affordable payment
VA borrowers with full entitlement are not subject to a VA loan limit, although income, credit, appraisal, and lender requirements still govern approval. Louisiana Housing Corporation assistance adds another eligibility layer, with its own income, property, and financing conditions.
Start with the mortgage options comparison, then test a realistic loan balance in the monthly payment calculator. Include parish taxes, applicable homestead relief, homeowners insurance, and flood coverage where relevant.
Finally, keep emergency savings outside the down-payment calculation. A loan that fits a federal limit can still leave too little cash for a named-storm deductible, moving expenses, or repairs discovered after occupancy.
Compare Current Mortgage Rates
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
Loan Program Comparison: 2026 Benchmarks
Louisiana 64 Parish 2026 Conforming ($832,750) and FHA ($541,287) Loan Limits — Compare the 3.5% down option at 580+ FICO with 10% at 500–579, lender overlays, 1.75% upfront MIP and the applicable annual MIP tier.
Historical 2025 one-unit comparison: conforming $832,750; FHA floor $541,287. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
- Louisiana Housing Corporation — state housing finance and property tax authority.
- Louisiana Tax Commission — state housing finance and property tax authority.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.