FHA VS Conventional loan in Ridgeland, Madison County, Mississippi

For 2026, the conventional loan limit in Ridgeland, located in the county of Madison, MS, is $726,200. On the other hand, the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the premium rates of Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserve amounts, and documentation required for qualification. Our sophisticated mortgage calculator lays Conforming Conventional, USDA, FHA, and VA loans side-by-side, assisting you in choosing the optimal program in MS for your financial situation.

View loan offers from a broad range of 100 lenders

2026 Loan Limits and Downpayment Needs in Ridgeland, Madison County, MS

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

This comparison table is applicable to zip codes: 39157

Explore Conventional and FHA Loan Options in Ridgeland, MS

Lendersa® aims to offer the finest Conventional, USDA, or FHA loans promptly and without hindrance. Start by choosing one of three paths to connect with suitable lenders and loan programs.

Lendersa's matching results for USDA loan requests


  • Citadel Residential Corporation
  • 3747 Foothill Boulevard, Suite 127, Glendale, CA, 91214
  • Citadel Mortgage Company was founded in 1992 after two Loan Officers from Security Pacific Bank realized that offering programs from only one bank was not the best way to serve our clients. Robert Rivera and Mel Robinson founded Citadel Mortgage Company and over the years have developed relationships with many lenders.

  • Keada Capital Investment Fund1 LLC
  • 3901 Foothill Boulevard, Suite 100, Glendale, CA, 91214
  • KEADA CAPITAL is a Southern California mortgage lender based in Glendale, capable of helping borrowers with credit challenges. We offer low interest rates, professional integrity and personalized customer service. If you're a first time home buyer or looking to refinance your existing mortgage we can help

  • Ichor Financial
  • 3156 Foothill Boulevard, Suite I, La Crescenta, CA, 91214
  • Ichor Financial was created with one goal in mind, saving clients money by providing the lowest rates in the industry. Time and again our rates have beaten not only the major banks but online lenders as well. We actually encourage our clients to shop and compare our rates, something you won't hear from other lenders.

  • First Cal
  • 1125 E Broadway, Suite 545, Glendale, CA, 91205
  • First Cal began providing loans to new home buyers in 1977, helping to fund explosive economic growth. In time we launched Headlands Mortgage Company to bring innovative loan programs to mortgage brokers. We expanded the operation across the country and, at one point, made loans in 42 states.

  • Los Angeles Federal Credit Union
  • 300 S. Glendale Ave, Glendale, CA, 91205
  • Los Angeles Federal Credit Union (LAFCU), was founded in 1936 by Los Angeles City employees to provide a source for affordable financial services to their fellow workers. Today our 49, 000 members include Los Angeles City employees, retirees and volunteers, "Select Employee Group" employees,

  • Jacob & Jacob Realty & Finance Inc.
  • 225 East Broadway, Suite 201, Glendale, CA, 91205
  • Jacob and Jacob Realty & Finance launched in July 2015 in Glendale, California providing mortgage and real estate services with excellent customer service. We are a committed team of both real estate agents and loan officers with a combined experience of 30 years in our industry.

  • Glencore Lending
  • 220 South. Kenwood Street, Suite 305, Glendale, CA, 91205
  • Glencore Lending we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. We use “common sense” and will help you obtain the best loan possible. We represent a wide range of “A” rated lenders with first quality rates.

  • Better Loans & Realty
  • 4543 Encinas Dr, Glendale, CA, 91205
  • "Ester Perez and Joseph Perez – (husband and wife) founded Better Loans & Realty in 2005 with a vision of helping individuals build wealth through hard money. With the hope that the more one can accumulate the more one can give.

    We are a hard money mortage brokerage which acts as a conduit to large REIT, pension and hedge funds. We focus on h

  • Glendale Area Schools Credit Union
  • 1800 Broadview Drive, Glendale, CA, 91208
  • Two Glendale Unified Schools District teachers started Glendale Area Schools Credit Union in 1937. Since then, we continue to support the needs of our local schools and to our local community. We support our school relationships in many ways to ensure the financial needs of School Employees, PTA, Students

  • Great American Financial Services
  • 3200 La Crescenta Avenue, Suite #202, Glendale, CA, 91208
  • Great American Financial was founded in 1991 and has since been an industry leader in real estate mortgage financing. The team or family as we like to call ourselves has over 125 years combined lending experience. This expertise matched with our extensive lending relationships gives our clients the highest probability for a successful funding.

  • V.I.P. Trust Deed Company
  • 3221 N. Verdugo Road, Glendale, CA, 91208
  • The V.I.P. group of companies maintains a level of excellence unsurpassed in our industry. In this industry, reputation is everything and our name is synonymous with quality, experience and integrity.

    Fortunately, we started our operations in a fairly small geographic community (Glendale, Burbank, La Crescenta, La Canada, Sunland, Tujunga) and