FHA VS Conventional loan programs in Mississippi-State, Oktibbeha County, Mississippi
For 2026, the mortgage limits in Mississippi-State, Oktibbeha, MS stand at $647,200 for conventional loans and $420,680 for FHA loans, applicable to one-family homes.
Utilize the Lendersa® Conventional loan calculator for quick comparison of current Conventional, FHA, and USDA rates. Determine eligible income, necessary credit, requisite reserves, and documents for qualification. By placing Conforming Conventional loans alongside USDA, FHA, and VA options, our expert calculator helps you find the best mortgage plans for you in MS.
2026 Loan Thresholds and Down Payment Details in Mississippi-State, Oktibbeha, MS
Loan Category
Maximum Limit
Minimum Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
Applicable to ZIP codes: 39759
Loan Alternatives: Conventional vs. FHA in Mississippi-State, MS
Lendersa® aims at facilitating you with the optimal Conventional, USDA, or FHA loans quickly and with ease. Initiate your process with any of these three paths to discover matching lenders and loan schemes.
1st Legacy Capital was founded by Ken Freshwater & Andy Shurden in 2016. After nearly 40 years of combined mortgage experience, Ken & Andy formed 1st Legacy Capital LLC to provide consumers in Mississippi the premier resource for Mississippi Reverse Mortgage Loans. 1st Legacy is located in Starkville Mississippi & serves consumers state wide.
BankFirst is headquartered in Columbus, Mississippi with extensive corporate operations in Macon, Mississippi. Established in 1888 with one location, we currently operate 30 branch locations in Mississippi and Alabama and three loan production offices in Biloxi, Brookhaven and Oxford, Mississippi. We have been a Community Development Financial Inst
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.
The Citizens Bank of Philadelphia has locations throughout Mississippi, from Starkville to the Gulf Coast. With an emphasis on community banking and banking on the communities we serve, we hope to grow dreams and improve the areas within our footprint. With over a century of service, The Citizens Bank stands on a past of strength and stability
Commercial Bank has always been committed to serving communities that lacked access to credit & consumer financial services. In 2014 we continued our commitment to serving our economically underserved markets by becoming a certified Community Development Financial Institution. Community business leaders formed Commercial Bank in 1914 in DeKalb, MS.
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
