USDA VS FHA in Oxford, Lafayette County, MS

For 2025, the USDA loan limit in Oxford, located in Lafayette, MS, is established at $336,500. The FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, helping you determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, guiding you in selecting the best program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Oxford, Lafayette 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 Options in Oxford, MS

The aim of Lendersa® is to quickly secure the optimal USDA or FHA loan for you, without complications. Choose one of three starting paths to connect with compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MS

The USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the government Department of Agriculture and is exclusively available in rural neighborhoods. FHA loans require at least a 3.5% down payment, whereas USDA loans require none at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Battle Born Capital, LLC
  • 8930 Spanish Ridge Ave, Las Vegas, NV, 89148
  • Battle Born Capital was founded by a team of industry leaders who know the Southern Nevada trust-deed investing landscape better than anyone. Our owners and principals are professionals from the real estate, legal, accounting and mortgage lending industries who have been through –and understand--
  • HighTechLending - Las Vegas
  • 1180 North Town Center Dr, Suite 100, Las Vegas, NV, 89144
  • We are an FHA Approved Mortgage Bank and Direct Lender providing FHA, VA, USDA, 203K, Conventional, Jumbo, Streamline Refi, and Reverse Loans. Founded by Don Currie and Erika Macias, our winning strategy consists of a carefully crafted blend of excellent price, niche product offerings, and exceptional customer service.
  • Harris Capital Mortgage Group
  • 10845 Griffith Peak Drive, Suite 2-188, 2nd Floor, Las Vegas, NV, 89135
  • At Harris Capital Mortgage, we take the time to meet our customers needs and guide them through the application process. ​ We specialize in FHA, Conventional and VA financing. We have a variety of loan programs that may be beneficial for you or your clients. We have financing down payment assistance and many more options
  • The DM3 Group
  • 11700 W. Charleston Blvd, Suite 170, Suite 105, Las Vegas, NV, 89135
  • The DM3 Group is proud to offer some of the most innovative loan products in the market place today. With over 25+ years of experience in lending, we aim to be your first phone call when considering any loan. We promise to be honest, efficient and courteous to all our clients. There will be no time wasted while working with us.
  • Lisa Fleck
  • 1980 Festival Plaza Drive, Suite 330, Las Vegas, NV, 89135
  • Lisa Fleck, Producing Branch Manager and Certified Divorce Lending Professional, has been in the mortgage business for over 20 years. She has been a nationally ranked top 1% loan originator for the past 6 years, and helps over 120 families annually with all facets of residential real estate financing.
  • The Mevorah Team
  • 10777 W Twain Ave, Suite 220, Las Vegas, NV, 89135
  • "The Mevorah Team has over 20 years of experience and its loan originators rank consistently in the top 1% nationwide. JASON MEVORAH is the owner and LOAN ORIGINATOR We strive to provide this level of service all while offering a competitive interest rate that you might not expect from a high-touch community lender."
  • SimpliFi Mortgage LLC
  • 10100 West Charleston Boulevard, Suite 100, Las Vegas, NV, 89135
  • Our mission is to make the mortgage approval process as painless as possible. Finding the right home is stressful enough, the financing shouldn’t be! We’ve streamlined the mortgage application process so you can submit all the required documentation without the hassle. Our convenient online application generates an instant pre-approval.
  • Snake River FCU
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  • Snake River Federal Credit Union was organized as a Federally Chartered Credit Union on June12, 1953, Twin Falls, Idaho. Snake River Federal Credit Union is a well established Credit Union serving the employee’s of The Amalgamated Sugar Company, their family members and the Southern Idaho Sugar Beet Growers.
  • MORTGAGE SOLUTIONS
  • 321 N Main St., Bellevue, ID, 83313
  • Mortgage Solutions delivers quick and precise mortgage loans to homebuyers and homeowners that will best suit their personal financial portfolios. Offered loan products include Conventional and Jumbo/High Balance, Construction Loans, FHA, USDA, and VA. Mortgage Solutions manages the process for you by applying for loans with different lenders,
  • Farmers Bank - Idaho
  • 914 Main Street, Buhl, ID, 83316
  • The Bank will provide quality services & products in a safe & secure environment at competitive prices to our customers. The Bank will provide services & products by friendly, competent people who are well trained, adequately compensated, & treated fairly. Farmers Bank will be an active member of the community with a tradition of financial support.