In 2026, the FHA loan limits for Ocean-Springs county of Jackson, MS are set at $356,362 for single-family residences. Two-unit homes have a limit of $456,275, three-unit homes are capped at $551,500, and four-unit properties reach up to $685,400.
Meanwhile, conventional loan ceilings for a single-family property are at $548,250. For two units, it is $702,000, for three units it is $848,500, and for four units, it reaches $1,054,500.
Utilize our FHA calculator to uncover today's most competitive FHA rates. It also assists in calculating necessary down payments, income, credit requisites, reserve funds, and required documentation for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and conditions versus those of several other loan products. Examine Conventional, Jumbo, VA, USDA, Non-QM, and hard money loan options alongside FHA offerings.
Gathered from thousands of lenders, Lendersa® swiftly aligns loan program data with your specific financial profile and requirements.
For 2026 in Ocean-Springs county of Jackson, MS, consult the Loan Limits Comparison Table to evaluate the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To measure the qualifications including income, reserves, and credit, employ 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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