FHA Vs. USDA loan program for Bay-St.-Louis, Hancock County, Mississippi

In 2026, the USDA loan limit for Bay-St.-Louis, in Hancock county, MS, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Make use of the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates, determining the needed income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, assisting in selecting the ideal program in for your financial needs.

Exploring USDA and FHA Loan Options in Bay-St.-Louis, MS

Lendersa® is dedicated to securing you the best USDA or FHA loan swiftly and effortlessly. Choose from three starting points to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan application and matching results

Understanding USDA Loans in MS

A USDA home loan is guaranteed by the U.S. Department of Agriculture, and is also referred to as a USDA rural development loan or mortgage. Available only in rural areas, unlike FHA loans which require a minimum down payment of 3.5%, USDA loans mandate no down payment.

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Bay-St.-Louis Lenders
(601) 749-3200 Lender's profile and map First National Bank of Picayune 121 East Canal Street, Picayune, MS, 39466 Lends in Mississippi First National Bank of Picayune was founded in September 1947 to serve the residents of Pearl River County. It is the only local bank headquartered in Picayune, Mississippi. In addition to the Main branch located on East Canal Street, the bank has three branches in Picayune, West Canal, North, and South branches. West Canal branch was opened in 196
(601) 308-4498 Lender's profile and map Power Mortgage 500 W Canal St, Picayune, MS, 39466 Lends in Mississippi POWER Mortgage is a division of Weststar Mortgage Corporation, a New Mexico company founded in 1983. Weststar is a direct lender that specializes in tailoring lending solutions that traditional lenders and banks consider outside the box. Weststar currently services over $2 Billion in mortgages, is a GNMA Issuer,
(228) 831-0933 Lender's profile and map Gulf-South-Mortgage-LLC 12292 Ashley Drive, Gulfport, MS, 39503 Lends in Mississippi At Gulf South Mortgage, you are more than just a number to us. We are locally owned and offer unmatched customer service by providing a more personal experience. Our staff will guide you from the initial consultation through the loan closing. You will experience an open line of communication
(228) 539-7029 Lender's profile and map Gulf Coast Community Federal Credit Union 12364 Highway 49, Gulfport, MS, 39503 Lends in Mississippi At Gulf Coast Community Federal Credit Union, we want to know what our members have to say. So if you have questions, comments, constructive feedback, or praise, don't be shy! Give us a call, swing by, or contact us via email using this handy form. We offer a wide range of financial services to help you chase your dreams with confidence
(228) 865-3142 Lender's profile and map Memorial Federal Credit Union 1231 44th Avenue, Room 11, Gulfport, MS, 39501 Lends in Mississippi Memorial Federal Credit Union opened its doors in February of 1962 to provide financial services to the employees of Memorial Hospital and their family members. In the years since, we have grown our membership and continue to provide exceptional service. At Memorial Federal Credit Union, we strive to provide quality financial services.