Explore the differences! FHA VS Conventional loan programs in Baldwyn, Lee County, Mississippi

As of 2026, the Conventional loan limit in Baldwyn, within Lee county, MS, is $726,200, whereas the FHA limit is $472,030 for a single-family home.

With the Lendersa® Conventional loan calculator, you can compare today’s best rates for Conventional, FHA, and USDA loans and determine the income, credit, reserves, and documents needed to qualify. This advanced tool shows Conforming Conventional loans, USDA, FHA, and VA side by side, helping to identify the best program in MS for your finances.

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2026 Loan Limits and Down Payment Requirements in Baldwyn, Lee County, MS

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to zip codes: 38824

Discover Conventional and FHA Loan Options in Baldwyn, MS

The mission of Lendersa® is to connect you with the best possible Conventional, USDA, or FHA loan easily and quickly. Choose from three starting points to find matching lenders and loan programs.

Lendersa USDA loan queries and outcomes


Baldwyn Lenders

  • FARMERS & MERCHANTS BANK MS
  • 111 West Clayton St, Baldwyn, MS, 38824
  • Lends in Mississippi
  • For over 70 years, Farmers & Merchants Bank has been serving the communities of Northeast Mississippi. What started as the dream of a local group of businessmen in 1941 is truly a success story in the banking industry today.

    Home owned and operated since 1941, Farmers & Merchants Bank prospers through a dedicated community.

  • Renasant Bank
  • 209 Troy Street, Tupelo, MS, 38804
  • Lends in Mississippi
  • Our vision is to be the financial services advisor and provider of choice in each community we serve. Our Mission is to To provide quality financial services and advice by: Understanding, then meeting the needs of our customers, Creating security and opportunity for our employees, Being good citizens in our communities.

  • BNA Bank
  • 133 E Bankhead St, New Albany, MS, 38652
  • Lends in Mississippi
  • Bank of New Albany, BNA Bank is a state-chartered bank that has grown from a single location in downtown New Albany to 8 total locations. BNA Bank is one of the few ‘A’ rated banks by Weiss Bank Rating Services and was inducted into the Seifried and Brew Top 15th percentile of community banks.

  • Gum Tree Mortgage
  • 218 S Thomas St, Suite 105, Tupelo, MS, 38801
  • Lends in Mississippi
  • Gum Tree Mortgage assists clients from all credit grades and secures mortgage loans in the states of Mississippi and Montana. We pride ourself on having unique products to fit the various needs of our clients. Contact Gum Tree Mortgage at 877-356-6528 to find out more about the products and services we can provide

  • Commerce Bank MS
  • 700 Taylor Street, Corinth, MS, 38834
  • Lends in Mississippi
  • Commerce Bank is a community bank providing friendly and personal service. We are an equal opportunity employer with 26 full-time employees, a convenient main office and more than $155 million in total assets as of December 31, 2021. Commerce Bank is the only locally owned and managed bank in Corinth, Mississippi and has more than 50 stockholders.

  • Bank of Okolona
  • 227 West Main Street, Okolona, MS, 38860
  • Lends in Mississippi
  • The Bank of Okolona is a hometown bank that has been serving Chickasaw County and the surrounding area for over 75 years. Whether it is a personal deposit account or a business loan that brings you to the Bank of Okolona, we can help. We hope this website and its contents will be helpful with your banking from home or the office.