During 2026, the FHA loan limit in Waynesboro within Wayne county, MS, is as follows: for single-family homes, the limit is $472,030, for properties with 2 units, it is $604,400, for 3-unit buildings, the limit is $730,525, and it reaches $907,900 for 4-unit residences.
For conventional loans, the cap for a single-family home is $726,200. In cases of 2-unit buildings, the limit is $929,850, it goes up to $1,123,900 for buildings with 3 units, and the maximum is $1,396,800 for 4-unit properties.
Utilize our FHA calculator to find current FHA top rates and calculate the necessary downpayment, income, credit standards, reserve needs, and document requirements for qualification.
The Lendersa® calculator allows you to compare FHA loan rates and terms against all other loan programs. You can examine and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Through Lendersa®, detailed loan program data from thousands of lenders is swiftly matched to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Waynesboro, in Wayne county, MS, provides a comprehensive comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For specific qualification requirement comparisons like 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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