No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
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
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
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
