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The USDA conducts a review of which communities in Louisiana are considered rural

LAKE CHARLES, LA (KPLC) – The U.S. Department of Agriculture (USDA) Administration of Rural Development is currently conducting a review of all areas under its jurisdiction to determine which areas no longer qualify for rural housing programs such as USDA loans. This could make it even harder for prospective homebuyers in some parts of Louisiana to afford a home.

There are several benefits to obtaining USDA loans. First up is the 100% No Money Down feature, meaning homebuyers can purchase a home in a qualifying area without paying cash for a down payment. This loan is also more flexible when it comes to loans, as borrowers only need to be taken out of bankruptcy and foreclosure for three years. It also means that those with limited credit can use other lines of credit, such as utility bills and auto insurance, to qualify.

The designation of rural areas is reviewed by the agency every five years, most recently in 2017-2018.

The current review is based on the 2020 US Census data as well as the real estate requirements in the agency handbook.

Currently eligible communities are under review

Acadia community

Ascension Parish

Municipality of Calcasieu

Parish of East Baton Rouge

Iberian community

Jefferson community

  • Estelle
  • Gretna
  • Harvey
  • Marrero
  • Terrytown
  • wrong way
  • Woodmere

Lafayette Parish

Parish of Lafouche

Municipality of Ouachita

Plaquemines Parish

Saint Bernard Parish

Parish of St. Charles

Parish of St. John the Baptist

Parish of St Tammany

  • covington
  • Mandeville
  • Slidell

Municipality of Tangipahoa

Terrebonne commune

Vermilion Parish

Ineligible areas that could be expanded

Bossier community

Caddo community

Municipality of Calcasieu

Parish of East Baton Rouge

Jefferson community

Lincoln community

Lafayette Parish

Orleans Parish

Municipality of Ouachita

Rapides community

The public has 90 days to submit comments on the potential forfeiture of eligibility for rural development housing schemes. Comments should be sent to [email protected]

For details or questions about specific changes, you can contact the Louisiana Rural Development Housing Program staff at (318) 473-7630.