Explore the differences! FHA VS Conventional loan programs in West-Point, Clay County, Mississippi
In the year 2026, the Conventional loan cap in West-Point, located in the county of Clay, MS, is set at $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.
Try the Lendersa® Conventional loan calculator to compare the prevailing rates of Conventional versus FHA and USDA loans. It helps establish the required income, credit, reserves, and documentation for qualification. Our comprehensive mortgage calculator places Conforming Conventional, USDA, FHA, and VA loans side by side, enabling you to determine which program best suits your specific financial scenario in MS.
Loan limits and down payment specifications for 2026 in West-Point, in the county of Clay, MS
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison table is relevant for zip codes: 39773
Available Conventional and FHA loans in West-Point, MS
The ambition of Lendersa® is to secure you the most advantageous Conventional, USDA, or FHA loan swiftly and conveniently. You have three potential starting points to find lenders and loan programs that match your needs.
1st Legacy Capital was founded by Ken Freshwater & Andy Shurden in 2016. After nearly 40 years of combined mortgage experience, Ken & Andy formed 1st Legacy Capital LLC to provide consumers in Mississippi the premier resource for Mississippi Reverse Mortgage Loans. 1st Legacy is located in Starkville Mississippi & serves consumers state wide.
The Bank of Okolona is a hometown bank that has been serving Chickasaw County and the surrounding area for over 75 years. Whether it is a personal deposit account or a business loan that brings you to the Bank of Okolona, we can help. We hope this website and its contents will be helpful with your banking from home or the office.
BankFirst is headquartered in Columbus, Mississippi with extensive corporate operations in Macon, Mississippi. Established in 1888 with one location, we currently operate 30 branch locations in Mississippi and Alabama and three loan production offices in Biloxi, Brookhaven and Oxford, Mississippi. We have been a Community Development Financial Inst
Gum Tree Mortgage assists clients from all credit grades and secures mortgage loans in the states of Mississippi and Montana. We pride ourself on having unique products to fit the various needs of our clients. Contact Gum Tree Mortgage at 877-356-6528 to find out more about the products and services we can provide
Our vision is to be the financial services advisor and provider of choice in each community we serve. Our Mission is to To provide quality financial services and advice by: Understanding, then meeting the needs of our customers, Creating security and opportunity for our employees, Being good citizens in our communities.
