USDA Vs. FHA your options comparison in Meridian, Lauderdale County, MS
In 2026, the USDA loan limit in Meridian, within Lauderdale county, 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 best rates for USDA and FHA loans to determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, helping you select the best program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Meridian, Lauderdale 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 Meridian, MS
The goal of Lendersa® is to efficiently secure the most suitable USDA or FHA loan without hassle. Select one of three starting approaches to connect with matching lenders and USDA loan programs.
A USDA home loan, sometimes referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is specifically available for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans demand no down payment.
MERIDIAN MS AIR NATIONAL GUARD FEDERAL CREDIT UNION
6225 M Street, Building 305, Meridian, MS, 39307
Lends in Mississippi
The Meridian MS ANG Federal Credit Union was chartered in 1963 as a non-profit financial organization that is regulated by the Nation Credit Union Administration (NCUA). Our Credit Union is owned and operated by its members for the benefit of all members. Our goal is to help each other by providing a quick economic source of confidential credit
We see changes happening all around us. Progression is key to success, but there is something about the ability to adapt to those changes while also upholding our core values and traditions as a community bank. Constantly working to prepare for the future, we are certain that continuing to prioritize customer experience above all else is crucial.
Meridian Mutual FCU is a full-service financial institution, dedicated to serving our members. Originally charted in 1953 to serve the employees of the Meridian Public School System, over the years Meridian Mutual began to serve a much broader group. In October 1997, Meridian Mutual was granted a community charter enabling us
Originally, MUNA FCU was chartered in June 1962 as Meridian Naval Federal Credit Union & was for active military, retired military, & civil service Team Members affiliated with the Naval Auxiliary Air Station at Meridian. In October 1993, the name was changed to MUNA Federal Credit Union to reflect the uniting of the Meridian and Navy communities.
Citizens National Bank is 129 years strong, stable and secure with over $1.3 billion in total assets. As an independent community bank, we believe we have a major advantage over the one-size-fits-all policy of most mega banks and financial institutions. With 26 locations in Mississippi, the latest technology and innovative accounts and services.
1st MS can help you get the things you want now by offering low rates on your new or used purchase. Choose us for loans on motorcycles, boats, recreational vehicles, and farm equipment. We can also help you refinance your vehicle or equipment for a lower interest rate and monthly payment
Here at Community Partners FCU, we are dedicated to you and all your financial needs.
We've been around since 1971and with over 500 members and assets over $5 million, we strive to assist our members in receiving the best interest rates, loans, and member benefits.
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.
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.
