FHA VS Conventional loan programs in 2026 for Ocean-Springs, Jackson County, Mississippi
In 2026, the Conventional loan limit for Ocean-Springs, within the county of Jackson, MS, is $647,200. Meanwhile, the FHA limit for a single-family residence stands at $420,680.
Use the Lendersa® Conventional loan calculator to compare top rates for Conventional vs. FHA vs. USDA loans today. Determine your needed income, credit, reserves, and documents for qualification. Our advanced calculator displays Conforming Conventional loans alongside USDA, FHA, and VA loans, assisting in selecting the best program in MS for your specific financial situation.
Current loan limits and down payment requirements for 2026 in Ocean-Springs, Jackson County, MS
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
Applicable zip codes for this table: 39564
Explore Conventional and FHA Loan Options in Ocean-Springs, MS
At Lendersa®, our aim is to quickly and smoothly connect you with the best possible Conventional, USDA, or FHA loan options. Choose one of three starting points to find lenders and loan programs that match your needs.
6911 Washington Avenue, Suite B, Ocean Springs, MS, 39564
Lends in Mississippi
FBT Mortgage (FBTM) is a wholly owned subsidiary of First Bank and Trust headquarted in New Orleans, Louisiana. FBTM offers traditional mortgage products as well as unique solutions that are customized to the special needs of clients. FBTM offers Conventional Mortgage financing as well as Veterans Administration (VA), FHA, USDA loans.
The Peoples Bank operates 18 branches along the Mississippi Gulf Coast in Hancock, Harrison, Jackson and Stone counties. In addition to a comprehensive range of retail and commercial banking services, the bank also operates a trust and investment services department that has provided customers with financial, estate
In early 1972 a group of employees of the Singing River Hospital and the Ocean Springs Hospital gathered to discuss forming a credit union for the purpose of providing economical savings and loans to fellow co-workers and families. The State of Mississippi granted them a charter and the J C Hospital System Employees Credit Union was born.
First Federal is the premier mortgage lender in South Mississippi. With mobile technology and internet, you can keep up with our latest checking, savings and mortgage products. Stability and customer service is our number 1 priority. we are moving forward into the future with exciting new products
Singing River Federal was organized in 1953 by the employees of International Paper (Southern Craft Mill) as a fair-rate financial cooperative. Today, Singing River Federal's more than 28, 000 members have more than $230 million in assets. Anyone who lives, works, worships or attends school in Jackson
At Gulf Coast Community Federal Credit Union, we want to know what our members have to say. So if you have questions, comments, constructive feedback, or praise, don't be shy! Give us a call, swing by, or contact us via email using this handy form. We offer a wide range of financial services to help you chase your dreams with confidence
