USDA Vs. FHA Pro and Con comparison in Louisville, Winston County, MS
In the year 2026, the maximum limit for a USDA loan in Louisville, part of Winston county, MS, is $336,500, while the FHA limit for a single-family dwelling is $472,030.
Utilize Lendersa® USDA loan calculator to compare the top USDA versus FHA rates available today. It helps identify the necessary income, credit score, reserves, and documentation needed for qualification. Through our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side-by-side, facilitating your decision on the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Louisville, Winston, MS
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Choices in Louisville, MS
Lendersa® is committed to swiftly securing the best USDA or FHA loan for you with minimal hassle. Kickstart your search by choosing from three strategies that can connect you with matched lenders and USDA loan options.
The USDA home loan, backed by the Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, is exclusively offered in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage loan has no down payment requirement.
The Choctaw Federal Credit Union is a nonprofit, cooperative financial institution owned and run by its members. Organized to serve, democratically controlled credit unions provide their members with a safe place to save and borrow at reasonable rates. Members pool their funds to make loans to one-another.
The Citizens Bank of Philadelphia has locations throughout Mississippi, from Starkville to the Gulf Coast. With an emphasis on community banking and banking on the communities we serve, we hope to grow dreams and improve the areas within our footprint. With over a century of service, The Citizens Bank stands on a past of strength and stability
1st Legacy Capital was founded by Ken Freshwater & Andy Shurden in 2016. After nearly 40 years of combined mortgage experience, Ken & Andy formed 1st Legacy Capital LLC to provide consumers in Mississippi the premier resource for Mississippi Reverse Mortgage Loans. 1st Legacy is located in Starkville Mississippi & serves consumers state wide.
Commercial Bank has always been committed to serving communities that lacked access to credit & consumer financial services. In 2014 we continued our commitment to serving our economically underserved markets by becoming a certified Community Development Financial Institution. Community business leaders formed Commercial Bank in 1914 in DeKalb, MS.
Since 1904 Bank of Kilmichael has been committed to community banking and to our local towns and cities. If there’s one thing we've learned over these past 100-plus years of serving our customers, it’s that friendly goes a long way. A long way toward keeping our customers loyal year after year, generation after generation.
BankFirst is headquartered in Columbus, Mississippi with extensive corporate operations in Macon, Mississippi. Established in 1888 with one location, we currently operate 30 branch locations in Mississippi and Alabama and three loan production offices in Biloxi, Brookhaven and Oxford, Mississippi. We have been a Community Development Financial Inst
We were founded in 1885 and are the oldest financial institution serving Montgomery and Carroll County. The bank has been locally owned and operated since its founding. Bank of Winona provides a wide array of services to both businesses and individuals. Full Service Bank. Auto, Mortgage, Personal & Business Loans and Services.
Triangle Federal Credit Union was chartered in 1959 under the name of Columbus Air Force Base Federal Credit Union to serve the active and retired military personnel of CAFB. More than 60 years later, our home office remains on CAFB where we proudly continue serving those who serve.
Visionary men, from families who would earn state and national recognition, including Hiram Eastland, Sr, and Major R. W. Millsaps, were the original founders of Bank of Forest. The bank was granted a corporate charter by the State of Mississippi on March 1, 1900 and opened its doors for business in February of 1901,
