USDA and FHA Pro and Con in Gulfport, Harrison County, MS

In 2026, the USDA loan limit for Gulfport, located in Harrison, MS, is $336,500. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, determining what income, credit, reserves, and documents are needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most suitable program for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Gulfport, Harrison County, MS

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

Exploring USDA and FHA Loan Options in Gulfport, MS

Lendersa® aims to efficiently obtain the best USDA or FHA loan for you with ease. Choose one of three pathways to access matching lenders and USDA loan programs.

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Understanding USDA Loans in MS

A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is offered only in rural neighborhoods. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans have no down payment requirement.

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



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    Whether you are first time home buyer, purchasing your dream home."