USDA Vs. FHA your options comparison in Biloxi, Harrison County, MS
For 2026, the USDA loan limit in Biloxi, situated in Harrison, MS, is set at $336,500. The FHA limit for a single-family home stands at $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates, identifying the necessary income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in is best suited to your financial situation.
2026 Loan Limits and Downpayment Requirements in Biloxi, Harrison County, MS
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Biloxi, MS
Lendersa® is committed to securing the best USDA or FHA loan for you swiftly and without hassle. Select one of three pathways to connect with matching lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and is available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans have no down payment requirement.
The Peoples Bank operates 18 branches along the Mississippi Gulf Coast in Hancock, Harrison, Jackson and Stone counties. In addition to a comprehensive range of retail and commercial banking services, the bank also operates a trust and investment services department that has provided customers with financial, estate
Southern Coastal FCU is a not-for-profit, financial institution that provides affordable financial services to its member-owners. Southern Coastal Federal Credit Union provides financial services to the employees of Biloxi Housing Authority, City of Biloxi, City of D'Iberville, Harrison County, Merit Health Biloxi & Swetman Security Services.
At Water’s Edge Federal Credit Union, we proudly serve the coastal counties of South Mississippi. Established in 1953 as the Harrison County Post Office Employees Federal Credit Union, we have expanded to serve the Gulf South Region as a safe haven for Savings Accounts, Loans and Certificates.
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.
6911 Washington Avenue, Suite B, Ocean Springs, MS, 39564
Lends in Mississippi
FBT Mortgage (FBTM) is a wholly owned subsidiary of First Bank and Trust headquarted in New Orleans, Louisiana. FBTM offers traditional mortgage products as well as unique solutions that are customized to the special needs of clients. FBTM offers Conventional Mortgage financing as well as Veterans Administration (VA), FHA, USDA loans.
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
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
Navigator Credit Union was born from the essential need for the average person to have access to affordable financial services. In 1938, Ingalls Shipbuilding began operations. For the first time, those who had farmed the fertile coastland or fished its well-populated waters were now gainfully employed. Because of their modest incomes,
In early 1972 a group of employees of the Singing River Hospital and the Ocean Springs Hospital gathered to discuss forming a credit union for the purpose of providing economical savings and loans to fellow co-workers and families. The State of Mississippi granted them a charter and the J C Hospital System Employees Credit Union was born.
