For 2026, the USDA loan limit in Holly-Springs, located in Marshall county, MS, stands at $285,000. In contrast, the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, and determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to ensure you obtain the best USDA or FHA loan quickly and without hassle. Select one of three starting points that connect you with matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture—also termed a USDA rural development loan or mortgage—is available only in rural areas. Unlike FHA loans which require at least a 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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