In 2026, the FHA loan limits in Ridgeland county of Madison, MS are set at $472,030 for a single-family residence. It increases to $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximum allowed is $726,200 on a single-family home, extending to $929,850 for two-unit properties, $1,123,900 for three-unit dwellings, and $1,396,800 for four-unit homes.
Leverage our FHA calculator for today's top FHA rates and determine the needed downpayment, income, credit profile, reserves, and required documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Dive into and assess options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA possibilities.
Lendersa® compiles vast amounts of loan data from numerous lenders, quickly evaluating it against your specific financial situation and needs.
The Loan Limits Comparison Table for 2026 in Ridgeland county of Madison, MS provides insights on FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loans. For qualification details—such as income, reserves, and credit—employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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