As of 2026, the USDA loan limit in Laurel, located within Jones county, MS, is set at $336,500, whereas the FHA limit for a single-family home stands at $472,030.
Employ the Lendersa® USDA loan calculator to compare today's prime USDA and FHA rates, and identify the necessary income, credit score, reserves, and paperwork needed for qualification. With our sophisticated mortgage calculator, you can view the USDA, FHA, Conforming, and VA options side by side to decide which program in best suits your financial circumstances.
Loan Ceilings and Down Payment Essentials for 2026 in Laurel, Jones County, 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 Alternatives in Laurel, MS
Lendersa® aims to swiftly secure the best USDA or FHA loan for you with minimal hassle. Opt for one of three starting points to find matching lenders and explore USDA loan programs.
The USDA home loan is a government-backed mortgage through the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages require no down payment whatsoever.
At Central Sunbelt, we have tons of great options to buy, build, or enhance your home to fit your lifestyle and wallet. Flexible loan options paired with competitive rates and as little as zero down payment allow new or seasoned home-buyers to make the right decision for their home. We are excited to get started on making your dreams come true.
Magnolia State Bank offers its customers full-service banking delivered through a variety of methods and by offering many accounts and services options. For branch, drive thru and ATM locations and times of service, see the Locations tab. We invite you to explore this website for detailed information concerning our many products and services.
The Bank of Richton closed in 1930 and a new bank was organized that year with E.M. Gavin as President and T.W. Milner as vice president. This was the first organization of the Richton Bank and Trust Company. However in 1932 the Richton Bank and Trust Company was reorganized with B. M. Stevens appointed President, C.S. Bentley as Vice President.
Covington County Bank has been offering customers outstanding service for over 40 years. From checking accounts to loans, and everything in between, we will find a product that suits your needs! A friendly hometown bank ready to meet all of your banking needs. Locally owned, locally headquartered.
Warehouse Avenue, Building 82, Camp Shelby, MS, 39407
Lends in Mississippi
Camp Shelby Federal Credit Union is a not-for-profit, member owned financial institution. Its mission is to serve members’ needs by encouraging savings and offering a reasonable rate of return. The Camp Shelby Federal Credit Union seeks to provide the best possible financial services to its members while maintaining its financial stability.
First State Bank is here to serve all of your financial needs. Our mission is to be a strong independent community bank that provides excellent customer service in an employee friendly environment while striving to maintain stable growth and maximizing earnings and shareholder value.
At Grand Bank we put people first. We have been providing our customers with superior and flexible service with a hometown approach since 1968. Our mission is to serve our communities and customers so that families grow stronger, businesses thrive, and communities flourish. Grand Bank is both a great place to save for our customers.
Pine Belt Federal Credit Union is a members-focused institution located in Hattiesburg & New Augusta, MS, dedicated to helping you save money and meet your financial goals. Applications for loans and membership can be filled out online quickly and easily! We offer savings accounts, loans, no-cost notary services, 24-hour ATM access, and much more!
CenturyFirst Federal Credit Union is a full service not-for-profit financial institution that is owned by the members it serves. We are dedicated to providing a wide variety of services, all with competitive rates and fees for the members we serve. We have a large group of sponsors that includes not only The University of Southern Mississippi.
