FHA Vs. USDA loan program for Hernando, DeSoto County, Mississippi

In 2026, within the county of DeSoto, Hernando, MS, the USDA loan limit is set at $336,500, while the FHA limit for a single-family home is $472,030.

The Lendersa® USDA loan calculator can be used to compare today’s USDA versus FHA optimal rates, and ascertain the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, guiding you in choosing the best program in tailored to your financial needs.

USDA and FHA Loan Alternatives in Hernando, MS

Lendersa® aims to provide you with the best USDA or FHA loan swiftly and hassle-free. You can select one of three starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Exploring USDA Loans in MS

The USDA home loan, guaranteed by the Department of Agriculture, commonly referred to as USDA rural development or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages do not require any down payment.

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Hernando Lenders
9015265261 Lender's profile and map Fairway Independent Mortgage 2220 Highway 51 S, Hernando, MS, 38632 Lends in Mississippi Here at Fairway Independent Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. We look forwar
(662) 890-3000 Lender's profile and map Desoto Home Mortgage 6080 Getwell Rd, Suite 204, Southaven, MS, 38672 Lends in Mississippi Desoto Home Mortgage (Brad Walker) is a LOCALLY OWNED & OPERATED Mortgage Company located in Southaven, MS. (Licensed in Mississippi & Tennessee -NMLS# 1248883) You name it, Desoto Home Mortgage can do it. We have GREAT RATES, and HUNDREDS OF MORTGAGE LOAN PROGRAMS to meet your homeownership needs
(901) 318-1264 Lender's profile and map H & F Financial Services LLC 975 Swinnea Ridge Boulevard, Suite 2, Southaven, MS, 38671 Lends in Mississippi Our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.
(901) 870-5727 Lender's profile and map Apex Mortgage Group LLC 6897 Crumpler Blvd, Suite 300, Olive Branch, MS, 38654 Lends in Mississippi Apex Mortgage Group LLC specializes in helping you understand all of your mortgage & financing options so you can make smart and informed decisions. Whether you need help negotiating a mortgage or buying a new home, Apex Mortgage Group LLC can manage all your mortgage needs. My Refinancing services will take the complications out of the process.
(662) 562-9671 Lender's profile and map Mississippi Land Bank 5509 Hwy 51, North Senatobia, MS, 38668 Lends in Mississippi For over 100 years, Mississippi Land Bank has been one of the premier lenders for land in the northern 32 counties of Mississippi. From a homesite with a few acres to an agriculture or hunting property with a few thousand acres – we offer long-term financing for land purchases and refinancing.