In 2026, the FHA loan limit in Southaven within DeSoto county of MS stands at $472,030 for a single-family home, with $604,400 for two-unit homes, $730,525 for three units, and $907,900 for four-unit residences.
The maximum conventional loan amount for a single-family home is $726,200, $929,850 for two-unit properties, $1,123,900 for three-unit homes, and $1,396,800 for four-unit dwellings.
Utilize our FHA calculator to discover today's top FHA rates and calculate the down payment, income, credit score, reserves, and documentation required to qualify.
The Lendersa® calculator enables a comparison of FHA rates and terms with those of all other loan programs. Explore and compare Conventional, Jumbo, VA, USDA, Non-QM and hard money loans right beside FHA options.
Lendersa® gathers loan program data from thousands of lenders, comparing it rapidly with your personal financial situation and requirements.
The Loan Limits Comparison Table for 2026 in Southaven, DeSoto, MS allows you to compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For comparing qualification needs such as income, reserves, and credit, use 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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