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2025 FHA Loan Limits in Louisiana

Erin Gobler
Written by Erin Gobler
Brianna McGurran
Edited by Brianna McGurran
Updated on: January 7, 2025 Content was accurate at the time of publication.
We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our editorial guidelines here.

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

CountyOne unitTwo unitsThree unitsFour unitsMedian sales price
ADAIR$524,225$671,200$811,275$1,008,300$62,000
ALLEN$524,225$671,200$811,275$1,008,300$256,000
ANDERSON$524,225$671,200$811,275$1,008,300$254,000
BALLARD$524,225$671,200$811,275$1,008,300$164,000
BARREN$524,225$671,200$811,275$1,008,300$140,000
BATH$524,225$671,200$811,275$1,008,300$160,000
BELL$524,225$671,200$811,275$1,008,300$108,000
BOONE$524,225$671,200$811,275$1,008,300$367,000
BOURBON$524,225$671,200$811,275$1,008,300$303,000
BOYD$524,225$671,200$811,275$1,008,300$215,000
BOYLE$524,225$671,200$811,275$1,008,300$180,000
BRACKEN$524,225$671,200$811,275$1,008,300$367,000
BREATHITT$524,225$671,200$811,275$1,008,300$63,000
BRECKINRIDGE$524,225$671,200$811,275$1,008,300$80,000
BULLITT$524,225$671,200$811,275$1,008,300$398,000
BUTLER$524,225$671,200$811,275$1,008,300$256,000
CALDWELL$524,225$671,200$811,275$1,008,300$70,000
CALLOWAY$524,225$671,200$811,275$1,008,300$140,000
CAMPBELL$524,225$671,200$811,275$1,008,300$367,000
CARLISLE$524,225$671,200$811,275$1,008,300$80,000
CARROLL$524,225$671,200$811,275$1,008,300$180,000
CARTER$524,225$671,200$811,275$1,008,300$215,000
CASEY$524,225$671,200$811,275$1,008,300$175,000
CHRISTIAN$524,225$671,200$811,275$1,008,300$298,000
CLARK$524,225$671,200$811,275$1,008,300$303,000
CLAY$524,225$671,200$811,275$1,008,300$154,000
CLINTON$524,225$671,200$811,275$1,008,300$57,000
CRITTENDEN$524,225$671,200$811,275$1,008,300$68,000
CUMBERLAND$524,225$671,200$811,275$1,008,300$200,000
DAVIESS$524,225$671,200$811,275$1,008,300$175,000
EDMONSON$524,225$671,200$811,275$1,008,300$256,000
ELLIOTT$524,225$671,200$811,275$1,008,300$128,000
ESTILL$524,225$671,200$811,275$1,008,300$250,000
FAYETTE$524,225$671,200$811,275$1,008,300$303,000
FLEMING$524,225$671,200$811,275$1,008,300$103,000
FLOYD$524,225$671,200$811,275$1,008,300$60,000
FRANKLIN$524,225$671,200$811,275$1,008,300$254,000
FULTON$524,225$671,200$811,275$1,008,300$43,000
GALLATIN$524,225$671,200$811,275$1,008,300$367,000
GARRARD$524,225$671,200$811,275$1,008,300$150,000
GRANT$524,225$671,200$811,275$1,008,300$367,000
GRAVES$524,225$671,200$811,275$1,008,300$117,000
GRAYSON$524,225$671,200$811,275$1,008,300$62,000
GREEN$524,225$671,200$811,275$1,008,300$135,000
GREENUP$524,225$671,200$811,275$1,008,300$215,000
HANCOCK$524,225$671,200$811,275$1,008,300$175,000
HARDIN$524,225$671,200$811,275$1,008,300$232,000
HARLAN$524,225$671,200$811,275$1,008,300$40,000
HARRISON$524,225$671,200$811,275$1,008,300$130,000
HART$524,225$671,200$811,275$1,008,300$244,000
HENDERSON$524,225$671,200$811,275$1,008,300$260,000
HENRY$524,225$671,200$811,275$1,008,300$398,000
HICKMAN$524,225$671,200$811,275$1,008,300$159,000
HOPKINS$524,225$671,200$811,275$1,008,300$122,000
JACKSON$524,225$671,200$811,275$1,008,300$35,000
JEFFERSON$524,225$671,200$811,275$1,008,300$398,000
JESSAMINE$524,225$671,200$811,275$1,008,300$303,000
JOHNSON$524,225$671,200$811,275$1,008,300$91,000
KENTON$524,225$671,200$811,275$1,008,300$367,000
KNOTT$524,225$671,200$811,275$1,008,300$75,000
KNOX$524,225$671,200$811,275$1,008,300$154,000
LARUE$524,225$671,200$811,275$1,008,300$232,000
LAUREL$524,225$671,200$811,275$1,008,300$154,000
LAWRENCE$524,225$671,200$811,275$1,008,300$141,000
LEE$524,225$671,200$811,275$1,008,300$65,000
LESLIE$524,225$671,200$811,275$1,008,300$110,000
LETCHER$524,225$671,200$811,275$1,008,300$93,000
LEWIS$524,225$671,200$811,275$1,008,300$58,000
LINCOLN$524,225$671,200$811,275$1,008,300$180,000
LIVINGSTON$524,225$671,200$811,275$1,008,300$164,000
LOGAN$524,225$671,200$811,275$1,008,300$160,000
LYON$524,225$671,200$811,275$1,008,300$169,000
MADISON$524,225$671,200$811,275$1,008,300$250,000
MAGOFFIN$524,225$671,200$811,275$1,008,300$30,000
MARION$524,225$671,200$811,275$1,008,300$145,000
MARSHALL$524,225$671,200$811,275$1,008,300$120,000
MARTIN$524,225$671,200$811,275$1,008,300$129,000
MASON$524,225$671,200$811,275$1,008,300$88,000
MCCRACKEN$524,225$671,200$811,275$1,008,300$164,000
MCCREARY$524,225$671,200$811,275$1,008,300$60,000
MCLEAN$524,225$671,200$811,275$1,008,300$175,000
MEADE$524,225$671,200$811,275$1,008,300$232,000
MENIFEE$524,225$671,200$811,275$1,008,300$160,000
MERCER$524,225$671,200$811,275$1,008,300$165,000
METCALFE$524,225$671,200$811,275$1,008,300$140,000
MONROE$524,225$671,200$811,275$1,008,300$65,000
MONTGOMERY$524,225$671,200$811,275$1,008,300$160,000
MORGAN$524,225$671,200$811,275$1,008,300$55,000
MUHLENBERG$524,225$671,200$811,275$1,008,300$80,000
NELSON$524,225$671,200$811,275$1,008,300$225,000
NICHOLAS$524,225$671,200$811,275$1,008,300$61,000
OHIO$524,225$671,200$811,275$1,008,300$99,000
OLDHAM$524,225$671,200$811,275$1,008,300$398,000
OWEN$524,225$671,200$811,275$1,008,300$115,000
OWSLEY$524,225$671,200$811,275$1,008,300$111,000
PENDLETON$524,225$671,200$811,275$1,008,300$367,000
PERRY$524,225$671,200$811,275$1,008,300$131,000
PIKE$524,225$671,200$811,275$1,008,300$63,000
POWELL$524,225$671,200$811,275$1,008,300$115,000
PULASKI$524,225$671,200$811,275$1,008,300$120,000
ROBERTSON$524,225$671,200$811,275$1,008,300$130,000
ROCKCASTLE$524,225$671,200$811,275$1,008,300$68,000
ROWAN$524,225$671,200$811,275$1,008,300$146,000
RUSSELL$524,225$671,200$811,275$1,008,300$65,000
SCOTT$524,225$671,200$811,275$1,008,300$303,000
SHELBY$524,225$671,200$811,275$1,008,300$398,000
SIMPSON$524,225$671,200$811,275$1,008,300$224,000
SPENCER$524,225$671,200$811,275$1,008,300$398,000
TAYLOR$524,225$671,200$811,275$1,008,300$135,000
TODD$524,225$671,200$811,275$1,008,300$140,000
TRIGG$524,225$671,200$811,275$1,008,300$298,000
TRIMBLE$524,225$671,200$811,275$1,008,300$131,000
UNION$524,225$671,200$811,275$1,008,300$75,000
WARREN$524,225$671,200$811,275$1,008,300$256,000
WASHINGTON$524,225$671,200$811,275$1,008,300$223,000
WAYNE$524,225$671,200$811,275$1,008,300$60,000
WEBSTER$524,225$671,200$811,275$1,008,300$66,000
WHITLEY$524,225$671,200$811,275$1,008,300$154,000
WOLFE$524,225$671,200$811,275$1,008,300$44,000
WOODFORD$524,225$671,200$811,275$1,008,300$303,000

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.

Number of unitsLow-cost FHA loan limit
Two$671,200
Three$811,275
Four$1,008,300

FHA lenders in Louisiana

How Does LendingTree Get Paid? LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Lender
LendingTree rating
Min. FHA credit score
Flagstar Bank
5 stars
Read our review
580
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PennyMac
5 stars
Read our review
580
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Rocket Mortgage
5 stars
Read our review
580
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Rate Mortgage
4.5 stars
Read our review
620
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BMO Harris Bank
4 stars
Read our review
580
Get Offers

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