FHA VS Conventional loan in Raymond, Hinds County, Mississippi

During 2026, the upper limit for a conventional loan in Raymond, Hinds, MS is $726,200, whereas the FHA limit for a single-family dwelling is $472,030.

Leverage the Lendersa® Conventional loan calculator to assess today's top-rate scenarios between Conventional, FHA, and USDA loans. Determine the income, credit standing, reserves, and documents necessary to qualify. Our premium mortgage calculator allows you to place Conforming Conventional loans next to USDA, FHA, and VA options for a comprehensive overview, helping decide what's optimal in MS.

Compare offers from 100 different lenders

2026 Lending and Downpayment Guidelines in Raymond, Hinds, MS

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

These details apply specifically to zip codes: 39154

Exploring Conventional and FHA Loan Routes in Raymond, MS

At Lendersa®, our mission is to efficiently secure the most suitable Conventional, USDA, or FHA loan for you, minus the complexity. Start your journey through any of these three methods, leading to a match with lenders and programs.

Lendersa USDA loan request and matching insights


  • O Bee Credit Union
  • PO Box 5000, Lacey, WA, 98509
  • O Bee Business team offers creative, common-sense financing designed to fit your specific business needs. Each business we work with comes to us with dreams, goals and a lot of grit. We focus on logical steps to make it happen. We’ve been helping small, medium and large sized businesses grow and profit for more than 15 years.

  • evergreenDIRECT Credit Union.
  • 6001 Capitol Boulevard SW, Tumwater, WA, 98501
  • evergreenDIRECT Credit Union is owned by each and every member that we serve. It's no surprise our sole focus is to provide quality, flexible services to our members at a reasonable price. Something we call "Banking. At your speed.Banks, on the other hand, are different. They have shareholders and investors to whom they have to pay large profits.

  • St. Julien Home Loans
  • 204 Custer Way SW, Suite 102, Tumwater, WA, 98501
  • St Julien Home Loans is a family-owned mortgage solutions company with over 42 years of experience. Located in Tumwater, Washington we service loans all across the state and partner with several banks and credit unions. Founded in 2005 by Bonnie and Wendy St. Julien, a mother and daughter team.

  • NTFN, INC
  • 711 CAPITOL WAY S, Suite 204, Olympia, WA, 98501
  • NTFN is a full service mortgage banker established in 1992 originally as Park Cities Mortgage. It was started by two men that felt they could create a better experience for their borrowers. They founded the company on the premise of excellent service, increased control and a faster more flexible process

  • American First Lending Corp
  • 450 Port Orchard Blvd, Suite 220, Port Orchard, WA, 98366
  • American First Lending Corporation is a direct lender focused on superior execution and customer satisfaction. We pride ourselves in providing our clients with superior service while maintaining the highest standard of professional integrity in the ever changing residential lending landscape.

  • Accel Mortgage
  • PO Box 11206, Olympia, WA, 98508
  • "Accel Mortgage We believe in the value of honest, ethical business dealings, and in unsurpassed customer service.We want you to not only be happy with your home but also with the mortgage program.

    Whether you are in need of a mortgage for a refinance or a home purchase, we will help you find
    the mortgage that best fits your needs

  • BAINBRIDGE LENDING GROUP, LLC
  • 345 Knechtel Way NE Suite 200, Bainbridge Island, WA, 98110
  • BLG gives you access to multiple lenders and dozens of loan programs allowing us to help find you a great rate and terms that meet your needs.Most importantly, we fully prequalify you so when you make an offer, local REALTORS will place more trust in an approval letter from us because they know we deliver.

  • Olympia Federal Savings and Loan Association
  • 421 Capitol Way S, Olympia, WA, 98507
  • Olympia Federal Savings began in 1906 in downtown Olympia remaining a mutual savings and loan, owned by our account holders ever since. With loans and deposits staying local, you can rest-assured knowing your dollars are reinvested back into the community in which you work and live.

  • TwinStar Credit Union Lakewood
  • PO Box 718, Olympia, WA, 98507
  • TwinStar is a community credit union in the Pacific Northwest with more than 100, 000 members and over $1 billion in assets. Our reputation for providing value and empowering the community stretches beyond the borders of Washington State and Oregon, where our 20 branches are located.

  • Kitsap Credit Union
  • 155 Washington Avenue, Bremerton, WA, 98337
  • Kitsap Credit Union has a unique culture that is infectious among its employees. We create a safe, fun, and friendly working environment where all employees are valued. To help support our mission of members joining together to build a stronger community, KCU employees are often volunteering in the community or at community events.

  • Equity Solutions Northwest
  • 9715 271st Street Northwest, Suite 3, Stanwood, WA, 98292
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Financial Edge Mortgage Corp
  • PO Box 1665, Stanwood, WA, 98292
  • financial edge mortgage loan program that's is the best for you. Our team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve. We know you're making a commitment in buying a house, refinancing a mortgage,