USDA Vs. FHA your options comparison in Oxford, Lafayette County, MS
For 2026, 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 .
2026 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.
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.
FNB Oxford Bank has over 65 employees who are a crucial part of this community. Not only do they contribute to the economic well-being of Lafayette County by providing loans and other banking services, they also contribute to the quality of life in Oxford and Lafayette County through civic and charitable activities.
Mechanics Mortgage opened in December of 1996 to provide our community with specialized service in permanent residential financing. Our primary service areas are Oxford, Water Valley and the surrounding communities. We provide counseling and pre-qualification to those interested in purchasing or building a new home,
We are ONE with the people we serve. For more than a half century, your cares have been our concerns. Your needs, our priorities. At First Security Bank, our growth remains rooted in being the ONE bank that can relate to everyone, with products and services that are number ONE. See what we can do together, as ONE.
We are a private financial institution for members of our community and surrounding areas. We are a full-service federally insured bank. We provide a large selection of banking products and services, with options to meet every level of need. We offer checking and savings accounts; mortgage loans; personal loans; and small business loans.
Bank of New Albany, BNA Bank is a state-chartered bank that has grown from a single location in downtown New Albany to 8 total locations. BNA Bank is one of the few ‘A’ rated banks by Weiss Bank Rating Services and was inducted into the Seifried and Brew Top 15th percentile of community banks.
For over 100 years, Mississippi Land Bank has been one of the premier lenders for land in the northern 32 counties of Mississippi. From a homesite with a few acres to an agriculture or hunting property with a few thousand acres – we offer long-term financing for land purchases and refinancing.
Here at Fairway Independent Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. We look forwar
Gum Tree Mortgage assists clients from all credit grades and secures mortgage loans in the states of Mississippi and Montana. We pride ourself on having unique products to fit the various needs of our clients. Contact Gum Tree Mortgage at 877-356-6528 to find out more about the products and services we can provide
6897 Crumpler Blvd, Suite 300, Olive Branch, MS, 38654
Lends in Mississippi
Apex Mortgage Group LLC specializes in helping you understand all of your mortgage & financing options so you can make smart and informed decisions. Whether you need help negotiating a mortgage or buying a new home, Apex Mortgage Group LLC can manage all your mortgage needs. My Refinancing services will take the complications out of the process.
