Explore the differences! FHA VS Conventional loan programs in Philadelphia, Neshoba County, Mississippi

In 2025, the Conventional loan limit in Philadelphia, situated in Neshoba county, MS, stands at $726,200, whereas for an FHA loan, the limit is $472,030 for a single-family residence.

Utilize the Lendersa® Conventional loan calculator for comparing current Conventional, FHA, and USDA rates. It helps specify the income, credit, reserves, and documentation essential for qualification. This sophisticated mortgage calculator allows you to view Conforming Conventional, USDA, FHA, and VA loans side-by-side, assisting you in deciding which program in MS suits your financial needs best.

Compare offers from a network of 100 lenders

2025 loan thresholds and down payment details for Philadelphia, Neshoba, MS

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

This comparative table pertains to the following zip codes: 39350

Options for Conventional and FHA loans in Philadelphia, MS

The aim at Lendersa® is to secure you the optimal Conventional, USDA, or FHA loan quickly and without complications. Choose from three starting points to match with lenders and explore loan options.

Lendersa USDA loan request match results


  • NW Premier Mortgage, Inc
  • 2154 NE Broadway St, Suite 120, Portland, OR, 97232
  • NW Premier Mortgage has worked hard to build a reputation for honest business practices and integrity.Our experienced and friendly team strives to provide a high level of personal service & we never fail to remember that it is our clients that make our business a success.As a result, the majority of our client base comes from referrals and business
  • Theory Mortgage
  • 2809 Northeast Martin Luther King Blvd, Portland, OR, 97212
  • Theory Mortgage provides borrowers with mortgage strategy guidance for the greatest personal prosperity, while contributing to the greater good of the community. Whether we're buying business cards or meeting a client for coffee, we choose to support local, small businesses to enrich our community.
  • Green Family Mortgage LLC
  • PO Box 11583, Portland, OR, 97211
  • Green Family Mortgage LLC We offer one-to-one counseling, support, and top-notch customer service. If you are calling or emailing us, you'll be talking directly to an experienced loan officer. No automated operators or customer service representatives giving you the run around here.
  • Fidelity Mortgage Solutions LLC
  • 10211 SW Barbur Blvd, Suite 101A, Portland, OR, 97219
  • Our goal from the very first time you choose FMS is to make the process of financing your home as fast and easy as possible. We strive to make the process as easy to understand and convenient for you whether you are a first-time buyer or the most savvy real estate investor. We are an Oregon based company, licensed in Oregon and Washington states.
  • Alterna Mortgage Company
  • 10211 SW Barbur Blvd, Suite 107A, Portland, OR, 97219
  • Alterna Mortage has more programs than any bank. Better personal service than any large corporation. Lower fees and better rates too. Alterna Mortgage has programs that fit borrowers with perfect credit and borrowers that have had recent credit events. Being a broker we have mortgage loans that fit everyone.
  • Forrit Credit Union
  • 95 SW Taylor Street, Portland, OR, 97204
  • Forrit Credit Union was created in 1936 as Portland Federal Employee’s Credit Union. 45 founding members came together with the credit union philosophy of ‘people helping people’ to form a financial cooperative that could help provide them with personalized banking solutions. The resulting credit union’s mission — Forward Together.
  • Team Swan
  • 310 Southwest 4th Ave, 300B, Portland, OR, 97204
  • Team Swan is the destination for people to become homeowners. It is our mission to be the leading lender to provide families homes where they can create memories and share ideas. We want to help make people's dreams a reality by providing the security of a home for all families. All we need to do is put an address to your dream.
  • Capital M Lending, LLC
  • 209 SW Oak Street, Suite 200, Portland, OR, 97204
  • Capital M Lending is committed to providing ethical, honest and straightforward advice to our clients. Our financial professionals have the utmost integrity. They have the ethics, core values, and experience that meet Capital M Lending’s strict requirements Because we deeply respect our customers and value the work we do.
  • Lumen Mortgage Corporation
  • 920 SW 6th Ave, Suite 1200, Portland, OR, 97204
  • At Lumen Mortgage we incorporate innovative technologies that increase efficiency, protect customer information & boost communication.We provide real-time updates that keep our customers & business partners informed from pre-qualification through funding.Lumen Mortgage allows Oregon homeowners & homebuyers to view LIVE rates & prices.
  • On Point Mortgage
  • PO Box 3750, Portland, OR, 97208
  • OnPoint Community Credit Union had modest beginnings in 1932: just 16 members and a total investment of $36. But, how we became the largest community-owned financial institution in Oregon, branching into Southwest Washington, is no accident. Our team is dedicated to making our members’ financial dreams a reality.
  • PDX Home Loan
  • 4640 SW Macadam Ave, Suite 90, Portland, OR, 97239
  • Finding and financing your home is a huge investment in time and money. Your home equity should enhance your financial future. Not be a burden. Unfortunately, most home owners miss out on wealth-building opportunities ​because the industry just isn’t set up to help them make smart borrowing decisions.