Louisiana USDA Loans

My state-specific information

Eligibility Requirements – Louisiana

With home loans from the USDA, Louisiana residents have an outstanding opportunity to become homeowners without breaking the bank. USDA loans require no down payment or qualifying assets and there’s no maximum loan amount, so you may be closer to a new home than you thought. For families of 1-4 in Louisiana, the average household income limit is about $119,850, and can be as high as $158,250 for families of 5 or more. Contact one of our USDA loan specialists to learn more and take a step towards your new home.

The map below shows the areas of Louisiana eligible for USDA loans. For more information on qualifying areas, check out the USDA property eligibility screen.

Louisiana USDA Income Limits (Moderate Income – Guaranteed Loan)

All Louisiana parishes and metro areas follow the standard USDA income limit for 2025.

Area 1–4 Person 5+ Person
All Louisiana Parishes & MSAs $119,850 $158,250

USDA income limits in Louisiana are based on total household income and household size. This includes income from all adult household members—not just the borrower. For FY 2025, every parish and metro area in Louisiana uses the same USDA income cap.

If your total qualifying household income is at or below the limit for your household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment).

Check Your Louisiana USDA Eligibility

USDA loans are available in many rural and suburban areas throughout Louisiana. We can quickly:

  • Confirm your income eligibility based on household size
  • Verify the home is in a USDA-eligible location
  • Provide a fast payment estimate and next steps


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on household size, verified income, and USDA program guidelines.

  • NO down payment – Finance 100% of your home
  • NO maximum loan amount in Louisiana.
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Louisiana USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Louisiana