FHA VS Conventional loan programs in 2026 for Starkville, Oktibbeha County, Mississippi

In the year 2026, the Conventional loan limit for Starkville, which is located in the county of Oktibbeha, MS, is $726,200. Meanwhile, the FHA loan limit is set at $472,030, specifically for single-family homes.

Utilize the Lendersa® Conventional loan calculator to contrast today's best rates among Conventional, FHA, and USDA. It helps in understanding the income, credit scores, reserves, and documentation required for eligibility. By using our cutting-edge mortgage calculator, you can evaluate the options of Conforming Conventional loans, USDA, FHA, and VA side-by-side, guiding you to determine which program is most suitable for your financial needs in MS.

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Loan limits and downpayment requirements for 2026 in Starkville, county of Oktibbeha, 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 the following zip codes: 39759

Explore Conventional and FHA loan offerings in Starkville, MS

The primary objective of Lendersa® is to efficiently secure you the best possible Conventional, USDA, or FHA loans, without unnecessary complications. Choose one of three essential starting points to find matching lenders and the best loan programs.

Lendersa USDA loan request and matching results overview


  • The Christopher Company
  • 6128 Waverly Avenue, La Jolla, CA, 92037
  • The Christopher Company With over eighty years of combined experience in professional real estate and mortgage services, the staff at the Christoper Company has the tools and knowledge to guide you through the entire lending process. We know that the mortgage process can be complex and stressful, let our team help you navigate those waters.

  • Polo Financial Group Inc
  • 1224 Prospect, Suite 150, La Jolla, CA, 92037
  • Mortgage Services all California. Real Estate services Southern California. Multiple discounts for using both. Conventional, jumbo, VA, FHA and Multi family, most with No out of pocket cost. 30% Real Estate commission refund for allowing us to represent you and no lender and appraisal fees on your loan side. Serving Californians since 1989.

  • Elite Commercial, Inc
  • 4225 Executive Square, Suite 600-C34, La Jolla, CA, 92037
  • Elite Commercial, Inc. is a New Age commercial real estate (CRE) company bridging the gap between traditional brokerage services and innovative technologies. We offer Brokerage Services, CRE and Business Financing, Fintech, Private Lending, and Portfolio Asset Management. Our company embraces change in an evolving commercial real estate

  • Inner Core Capital
  • 4275 Executive Square, Suite 200, La Jolla, CA, 92037
  • Inner Core Capital stands as a beacon in financial solutions. With a unique mix of loan offerings—ranging from private money to conventional financing—they cater to every borrower’s needs. Specializing in cash out refinancing, they offer competitive rates and terms. Whether for investment properties or personal projects, Inner Core Capital crafts f

  • Pacific Mortgage Loans, Inc.
  • 3455 Ingraham Street, San Diego, CA, 92109
  • We are a full-service mortgage company based in San Diego, CA. We specialize in Conventional, High Balance Loans, VA purchase and streamline loans, Jumbo. and FHA and USDA lending anywhere in the State of California. Whether you are buying a home or refinancing anywhere in California, we can help you realize your dream of home ownership

  • Parkview Investment & Loan Inc
  • 4603 Mission Boulevard, Suite 219, San Diego, CA, 92109
  • Parkview Investment & Loan Inc was founded in 2006 by Mathieu Pollenz. Parkview Investment & Loan is a full service mortgage and realty service company. We work with Residential and Commercial properties. Our mortgage department is determined to provide our clients the best rates with unparalleled service.

  • Cal Coast Funding
  • 4609 Cass Street, San Diego, CA, 92109
  • Cal Coast Funding mortgage lender located in sunny San Diego, Ca. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance an existing loan our highly experienced teaM.

  • Your San Diego Broker Inc
  • 1660 Chalcedony Street, Unit H, San Diego, CA, 92109
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • America's Local Lender, LLC
  • 4538 Cass Street, Suite B, San Diego, CA, 92109
  • We are an award-winning mortgage company with over 50 years of combined experience. We keep our costs low which allows us to pass those savings to our borrowers with competitive rates! We specialize in jumbo lending and loans to first-time home-buyers Call us today and put us to work for you!

  • SD Realty
  • 4629 Cass Street, Suite 71, San Diego, CA, 92109
  • SD Realty has been successfully helping clients with their Real Estate and Mortgage needs since 2007. Whatever your goals are, we are here to help — providing the highest level of personalized services to create a unique and exemplary experience for all clients.A real estate transaction is a multi-faceted process with many moving parts.