In 2026, FHA loan limits in Horn-Lake county of DeSoto, MS are set at $356,362 for single-family homes, $456,275 for two-unit properties, $551,500 for three units, and $685,400 for four units.
The maximum amount for conventional loans on a single-family residence is $548,250. For two-unit homes, the limit reaches $702,000, for three units, it stands at $848,500, and for four-unit dwellings, it caps at $1,054,500.
Utilize our FHA calculator to access the best FHA rates today and determine the required downpayment, income, credit, reserves, and documentation essential for qualification.
Lendersa® calculator allows for comprehensive comparison of FHA rates and terms against those of other available loan programs. Inspect and compare options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® gathers extensive loan program data from thousands of lenders, providing swift analysis in accordance with your individualized financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Horn-Lake, DeSoto, MS reviews FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To evaluate qualification criteria, including income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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