FHA VS Conventional loan in Winona, Montgomery County, Mississippi

As of 2025, the Conventional loan limit in Winona, within Montgomery county, MS, reaches $726,200, while the FHA limit for a single-family dwelling is $472,030.

Use the Lendersa® Conventional loan calculator to instantly compare top rates for Conventional versus FHA and USDA loans. Determine what income, credit, reserves, and documentation are necessary to qualify. Our advanced mortgage calculator shows you Conforming Conventional loans, USDA, FHA, and VA options alongside one another, helping you choose the best state program for your financial situation.

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Loan limits and downpayment details for 2025 in Winona, Montgomery county, MS

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

This table applies to zip codes: 38967

FHA and Conventional loan alternatives in Winona, MS

The aim at Lendersa® is to connect you with the ideal Conventional, USDA, or FHA loan swiftly and effortlessly. Begin by choosing from three starting points that will match you with the right lenders and loan programs.

Lendersa USDA loan request and matching results


  • Island Home Loans
  • 688 Kinoole Street, Suite 209, Hilo, HI, 96720
  • Local, family-owned mortgage broker company located in Hilo, Hawaii with over 75 years of combined experience. Open since 2003, Island Home Loans has been chosen as 'Best of East Hawaii'​ Mortgage Company six years and running! Come and see us or give us a call to see what we can do to assist you or your family to purchase or refinance a home.
  • Finance Integrity Home Loans
  • 17 Furneaux Ln, Suite 201, Hilo, HI, 96720
  • At Finance Integrity in Hilo is to serve our East Hawaii customers with honesty, integrity and competence. Our only goal is to provide home loans and mortages to Big Island clients while providing them with the lowest interest rates and closing costs possible. We pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Karen Kline Home Loans, LLC
  • 586 Kanoelehua Avenue, Suite 101, Hilo, HI, 96720
  • Karen Kline Home Loans is committed to finding you the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you.
  • Island Mortgage Source
  • 500 Manono St, Suite 103, Hilo, HI, 96720
  • We offer a wide variety of loan programs that will suit your financing needs for properties within our State of Hawaii. As a mortgage broker backed by established Local and Mainland Lenders we have the ability to offer you the best program at the most competitive rate on everything from vacant land to multi-million dollars estates
  • Hawaii First Federal Credit Union
  • 67-1187 Mamalahoa Highway, Kamuela, HI, 96743
  • Hawaii First FCU has been serving our community for 60 years! We serve members island-wide with branches located in Kamuela and Hilo. Our mission statement is “Empowering Our Community by Serving Hawaii First!” and we strive to provide exceptional financial and empowerment services to meet the needs of our members and our community.
  • eMortgage Hawaii
  • 67-1153 Mamalahoa Hwy, Suite 3, Kamuela, HI, 96743
  • eMortgage Hawaii offers the lowest rates and the fastest turn times in Hawaii. Once you provide us with the requested documents, we will have your conditional loan approval within 24 - 48 hours. eMortgage Hawaii's committed to helping you find the right mortgage product for your needs. We understand that every borrower is different,
  • Elite Lending
  • 71 Baldwin Ave, Suite B7, Paia, HI, 96779
  • "Elite Lending is a full service mortgage bank and brokerage with an impeccable reputation for 20 years of lending in Hawaii and California. Select a Loan Officer below to get started. and Elite Lending is a mortgage bank with operations in two states. Elite Lending offers numerous mortgage programs including conventional and more"
  • Valley Isle Community FCU
  • 160 Paahana Street, Kahului, HI, 96732
  • The Valley Isle Community Federal Credit Union is a full-service financial institution serving all residents on the island of Maui. Established in 1940, our goal is to provide our members high-value financial products with excellent member service and ultimately, improve their quality of lives, as well as the quality of our community.
  • Kahului Federal Credit Union
  • 25 West Kamehameha Avenue, Kahului, HI, 96732
  • In 1955, a group of civic-minded business people met at the old Kahului Store (also known as the Masonic building) for the purpose of forming a credit union to meet the financial needs of the people in Kahului. At the time, most credit unions were employer-based and there was no credit union in existence that could serve the rest of the community.
  • Wailuku Federal Credit Union
  • 133 Ma'a Street, Kahului, HI, 96732
  • Wailuku Federal Credit Union, formerly Wailuku Community Federal Credit Union, was chartered in January 1955 with the help of Manuel S. Molina, a Wailuku businessman who felt that there was a need for a credit union in Wailuku. Before starting his own business, Mr. Molina was introduced to credit unions through his work at the pineapple company
  • Creative Financial
  • 320 Ohukai Rd, Suite 413, Kihei, HI, 96753
  • Locally Owned and Operated, Broker Kellie Pali- Cruz has access to many banks both local and international! One phone call can save you time and money! Don't be restricted by only one banks offering, allow yourself options! Kellie has many accolades including, The Real Estate Association of Maui's Affiliate Choice Award in 2008.