In the year 2026, the FHA loan limit for Aberdeen, located in Monroe county, MS, is set at $472,030 for a single-family residence, $604,400 for a 2-unit building, $730,525 for properties with 3 units, and $907,900 for those with 4 units.
For conventional loans, the upper amount for a single-family house is $726,200. If you're considering 2-units, the limit is $929,850; for buildings that have 3 units, it's $1,123,900. For 4-unit residences, the maximum reaches $1,396,800.
Our FHA calculator provides insight into today’s most competitive FHA rates, offering a valuable tool to understand downpayment necessities, income requirements, necessary credit scores, reserve funds, and document needs to gain qualification.
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The Loan Limits Comparison Table for 2026 in Aberdeen, part of Monroe county, MS, lays out a side-by-side comparison of maximum allowable loan amounts across various types such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for detailed comparisons of qualification requirements, including income, reserves, and credit scores.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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