With an eclectic culture, beautiful landscape and inspiring culinary history, it is little wonder as to why Louisiana has become such a popular place to settle down and buy a home. And now, thanks to the USDA Loan Program, finding and purchasing a home in the Bayou State just got a little easier.

Also referred to as the Rural Development Loan Program, these government backed loans are intended to help enhance many of the nation’s smaller communities and rural areas. Benefits of the Louisiana USDA Rural Development Loan Program include:

  • Finance 100% of Your Louisiana Home Loan
  • Flexible Credit Guidelines
  • Low Fixed Interest Rates
  • No Loan Amount Limitations on Louisiana Property

Louisiana Areas that Qualify for Rural Development Loans

You should not be misled by the term “Rural Development Loans.” It is true that these loans are intended for smaller communities, many of which may lie in rural areas. However, this does not mean that these loans are solely intended to benefit farmers. Instead, many homes and properties located all throughout the great state of Louisiana are USDA Loan eligible; and, some of these homes are located just outside of larger metropolitan areas.

Basic USDA Loan property eligibility requirements include:

  • Communities located outside of city limits
  • Communities with less than 20,000 people

You should never assume the Louisiana property you are interested in purchasing is not eligible for one of these rural development loans. Instead, turn to the experts at Consumer Real Estate Finance Co. for help. For answers to any of your questions, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Louisiana’s USDA Loan Income Limits By County

At Consumer Real Estate Finance Co., our expert staff is here to answer all your questions, including information on things like credit history and income limits.

Keep in mind that when applying for a Rural Development Loan, there is a maximum income limit. Your income cannot exceed the maximum amount set for your county. These USDA Loan income limits for Louisiana communities include:

Louisiana USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

STATE:LOUISIANA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Alexandria LA MSA VERY LOW INCOME 18400 21000 23650 26250 28350 30450 32550 34650
LOW INCOME 29400 33600 37800 42000 45350 48700 52100 55450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Iberville Parish LA HUD Metro FMR Area VERY LOW INCOME 19350 22100 24850 27600 29850 32050 34250 36450
LOW INCOME 30900 35300 39750 44150 47700 51200 54750 58300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Houma-Bayou Cane-Thibodaux LA MSA VERY LOW INCOME 21500 24550 27600 30650 33150 35600 38050 40500
LOW INCOME 34350 39250 44150 49050 52950 56900 60800 64750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lafayette LA MSA VERY LOW INCOME 22500 25700 28900 32100 34700 37250 39850 42400
LOW INCOME 35950 41100 46200 51350 55450 59550 63650 67800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lake Charles LA MSA VERY LOW INCOME 21200 24200 27250 30250 32700 35100 37550 39950
LOW INCOME 33900 38700 43550 48400 52250 56150 60000 63900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe LA MSA VERY LOW INCOME 18150 20750 23350 25900 28000 30050 32150 34200
LOW INCOME 29000 33150 37300 41450 44750 48100 51400 54700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
New Orleans-Metairie-Kenner LA MSA VERY LOW INCOME 21700 24800 27900 30950 33450 35950 38400 40900
LOW INCOME 34650 39600 44550 49500 53450 57400 61400 65350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
LA MSA VERY LOW INCOME 20400 23300 26200 29100 31450 33800 36100 38450
LOW INCOME 32600 37250 41900 46550 50250 54000 57700 61450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Acadia Parish LA VERY LOW INCOME 16950 19400 21800 24200 26150 28100 30050 31950
LOW INCOME 27100 30950 34850 38700 41800 44900 48000 51100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Allen Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Assumption Parish LA VERY LOW INCOME 19250 22000 24750 27450 29650 31850 34050 36250
LOW INCOME 30750 35100 39500 43900 47400 50900 54450 57950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Avoyelles Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Beauregard Parish LA VERY LOW INCOME 19300 22050 24800 27550 29800 32000 34200 36400
LOW INCOME 30850 35300 39700 44100 47650 51150 54700 58200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bienville Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Caldwell Parish LA VERY LOW INCOME 18000 20600 23150 25700 27800 29850 31900 33950
LOW INCOME 28750 32900 37000 41100 44400 47700 50950 54250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Catahoula Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Claiborne Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Concordia Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
East Carroll Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Evangeline Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Franklin Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Iberia Parish LA VERY LOW INCOME 18550 21200 23850 26500 28650 30750 32900 35000
LOW INCOME 29700 33900 38150 42400 45800 49200 52600 55950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson Parish LA VERY LOW INCOME 18650 21300 23950 26600 28750 30900 33000 35150
LOW INCOME 29800 34050 38300 42550 45950 49350 52750 56150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jefferson Davis ParishLA VERY LOW INCOME 19000 21700 24400 27100 29300 31450 33650 35800
LOW INCOME 30350 34700 39000 43350 46800 50300 53750 57200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
La Salle Parish LA VERY LOW INCOME 18300 20900 23500 26100 28200 30300 32400 34500
LOW INCOME 29250 33400 37600 41750 45100 48450 51750 55100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lincoln Parish LA VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Madison Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Morehouse Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Natchitoches ParishLA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Red River Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Richland Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sabine Parish LA VERY LOW INCOME 17100 19550 22000 24400 26400 28350 30300 32250
LOW INCOME 27350 31250 35150 39050 42150 45300 48400 51550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
St. James Parish LA VERY LOW INCOME 23100 26400 29700 32950 35600 38250 40900 43500
LOW INCOME 36900 42150 47450 52700 56900 61150 65350 69550
MOD.INC-GUAR.LOAN 75750 75750 75750 75750 100000 100000 100000 100000
St. Landry Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
St. Mary Parish LA VERY LOW INCOME 17300 19800 22250 24700 26700 28700 30650 32650
LOW INCOME 27650 31600 35550 39500 42650 45800 49000 52150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tangipahoa Parish LA VERY LOW INCOME 18800 21450 24150 26800 28950 31100 33250 35400
LOW INCOME 30050 34300 38600 42900 46350 49750 53200 56650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tensas Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Vermilion Parish LA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Vernon Parish LA VERY LOW INCOME 18200 20800 23400 26000 28100 30200 32250 34350
LOW INCOME 29100 33300 37450 41600 44950 48250 51600 54900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Washington Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Webster Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
West Carroll Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Winn Parish LA VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

Because of these sometimes detailed and overwhelming guidelines, Consumer Real Estate Finance Co. is here to guide you through the application process. Contact us today for details or to get started with your Louisiana USDA Loan application.