USDA VS FHA in Canton, Madison County, MS

In 2025, the USDA loan limit for Canton, located in Madison, MS, is $336,500, whereas the FHA limit for a single-family house is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates and determine the required income, credit, reserves, and documents for eligibility. This advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, helping to choose the most suitable program in for your specific financial situation.

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2025 Loan Limits and Down Payment Requirements in Canton, Madison, MS

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Canton, MS

The objective of Lendersa® is to promptly secure the best USDA or FHA loan for you, free of hassles. Select from three starting points that match you with ideal lenders and USDA loan programs.

Lendersa USDA loan application and results

What is a USDA Loan in MS?

A USDA home loan is guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 4343 Anchor Plaza Pkwy Ste 170, Tampa, FL, 33634
  • "LoanFlight Lending is licensed by the U.S. Department of Housing and Urban Development as a Title II Mortgagee and a FHA approved licensed mortgage lender. Here at LoanFlight Lending, a privately held mortgage lender, we excel at the forefront of technology driven mortgage marketing and origination. Using vast national experience,"
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  • 8401 J R Manor Dr #100, Tampa, FL, 33634
  • CORE Financial, is ready to give you and your loan the service and attention it deserves. We have 15 years of experience at your service. We make it our mission to keep you headache-free during your entire loan process. Whether this is your first financing, a loan for remodeling, refinancing your home, or just simple debt consolidation
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  • Baptist Credit Union was chartered in 1955 as Memorial Hospital Employees Federal Credit Union by employees of the Baptist Memorial Hospital System of San Antonio, Texas. The credit union served that field-of-membership exclusively for 25 years. In 1982, the name was changed to Health Professions Federal Credit Union.
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  • At Cardinal Financial, we know mortgage lending is more than just loans—it's about helping people achieve their homeownership dreams. With a focus on listening, understanding your unique story, and customizing solutions, I provide a seamless experience from start to finish. Let’s work together to find the perfect loan and make your dreams a reality
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  • When we started Cardinal Financial, we set out with the intention of creating a better mortgage experience. We wanted to reimagine and modernize the way home loans are obtained by bringing increased transparency, simplicity, and speed into an industry that has oftentimes lacked all three.
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