In 2026, within Winona, located in the county of Montgomery, MS, the FHA loan limits are specified as follows: $472,030 for a single-family home, $604,400 for 2-unit residences, $730,525 for 3-unit properties, and $907,900 for 4-unit buildings.
The maximum amounts for conventional loans are $726,200 for single-family homes, $929,850 for houses with 2 units, $1,123,900 for 3-unit residences, and $1,396,800 for 4-unit properties.
Utilize our FHA calculator to find current top FHA rates and to determine the required downpayment, income requirements, credit standards, reserves, and documents necessary for qualification.
The Lendersa® calculator allows you to compare FHA loan rates and terms with other programs available. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loan options, offering wide-ranging exploration and comparison.
With comprehensive data from thousands of lenders, Lendersa® can swiftly match these to your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Winona county of Montgomery, MS, gives a detailed analysis of maximum amounts for loans like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate criteria such as income, reserves, and credit, utilize 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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