For 2026, the USDA loan cap in Natchez, within Adams county, MS is $336,500. In contrast, the FHA cap for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to contrast today's leading USDA and FHA rates and determine the income, credit, reserves, and documentation you'll require for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA side by side to figure out which program in best fits your specific financial situation.
Loan Limits and Down Payment Conditions for 2026 in Natchez, Adams 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 Choices in Natchez, MS
Lendersa® aims to secure you the most optimal USDA or FHA loan swiftly and without hassle. Choose from three starting points to connect with matching lenders and USDA loan offerings.
A USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or mortgage, and is specifically for rural areas. Unlike FHA loans that mandate at least a 3.5% down payment, USDA loans require no down payment at all.
Citizen’s Choice Federal Credit Union is a financial cooperative that offers a wide range of products with the most convenient rates. We know how important it is always to have options to select from; therefore, we provide a large variety of services for every citizen: share accounts, payroll deduction, direct deposit, auto loans,
Old South FCU was formed in 1953 originally to serve employees of the International Paper Company located in Natchez, MS. Over the years, Old South's field of membership has grown to include other Select Employee Groups. We have since expanded our field of membership to include Concordia Parish, LA and Adams County, MS.
The mission of UMB is to ensure continued growth and prosperity by hiring the most qualified and dedicated employees, staying current with technological advances in the banking industry, supporting and enriching our employees and the communities we serve, and delivering a competitive shareholder return.
At Integrity Mortgage Center LLC We are a Licensed Mississippi and Louisiana Mortgage Company that has been servicing the Miss- Lou since 2008. We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage
Franklin County was named for philosopher and statesmen Benjamin Franklin and was one of the original counties of the state of Mississippi. In 1809, seven years prior to Mississippi’s admission into the Union as a state, the county was organized in the Mississippi Territory. A large part of the western portion of the county
At Bank of Brookhaven it's all about you! We specialize in courteous, efficient service that provides our customers & friends with individual attention. When you come into Bank of Brookhaven, we'll make it a point to greet you & answer any question you may have about the banking services we offer. We're the new bank with an old fashion commitment
