As of 2026, the USDA loan limit in Columbus, located in Lowndes, MS, is $336,500. At the same time, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to assess and compare today’s top USDA and FHA rates, helping you determine the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to choose the most suitable program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to swiftly provide you with the best USDA or FHA loan, without hassle. Choose one of three starting points to connect with compatible lenders and USDA loan programs.
A USDA home loan, commonly called a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is exclusively available in rural neighborhoods. Unlike FHA loans that need a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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