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First-time home buyer programs in Shenandoah, LA

Quick answer

First-time buyers in Shenandoah, LA can use 3%-down conventional loans (up to the $832,750 East Baton Rouge Parish conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $319,300 median home, 3% down is about $9,579 and the estimated payment is $2,626/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $107,544; value-to-income ratio 2.97. Shenandoah ranks 4 by home value and 26 by population among 57 places in our LA dataset.

What does a first-time buyer loan cost on a typical Shenandoah home?

ItemShenandoah
Median home value (Census ACS)$319,300
Louisiana median home value$208,700
Down payment (3%)$9,579
Loan amount$309,721
Estimated monthly payment (PITI + MI)$2,626
Income needed (28% / 36%)$113,000 / $88,000
East Baton Rouge Parish 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Louisiana's 0.55% effective property tax rate (Census ACS), $3,027/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Shenandoah?

Shenandoah is in East Baton Rouge Parish. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Shenandoah median home value of $319,300 is 53% above the Louisiana median, and within what the county limit supports.

Which down payment assistance programs can Shenandoah buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

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First-time buyer loan FAQs for Shenandoah

On the $319,300 median: 3% conventional ≈ $9,579, 3.5% FHA ≈ $11,176, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in East Baton Rouge Parish become jumbo loans.

At the $319,300 median value (above the Louisiana median of $208,700), the estimated payment of $2,626/month at 7.18% needs about $113,000 a year under the 28% housing guideline, or $88,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.