USDA and FHA Pro and Con in Philadelphia, Neshoba County, MS
In 2025, the USDA loan limit in Philadelphia, within Neshoba county, MS, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the best rates available today between USDA and FHA, deciding on the necessary income, credit reserves, and required documents for qualifying. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you determine which program in is most suitable for your financial needs.
2025 Loan Limits and Down Payment Requirements in Philadelphia, Neshoba, MS
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Examining USDA and FHA Loan Options in Philadelphia, MS
Lendersa® aims to deliver the best USDA or FHA loan quickly and without stress. Choose one of three starting points to find matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA mortgages require no down payment at all.
"Clearwater Mortgage is a family run business. Founded by Scott Chinchar (Scotty to most) and Sandy Chinchar, husband and wife, along with their son, Jesse Chinchar.
Jesse is otherwise known as Coach Jesse, (of the getting more and more famous Clearwater Academy International Knights football team)."
600 CLEVELAND STREET, SUITE 212, Clearwater, FL, 33755
Acopia's experienced loan advisors are committed to helping qualified borrowers realize their dream of home ownership by providing superior customer service and innovative products. We are mortgage banking professionals committed to making our communities a better place to live and work.
2424 Enterprise Road, Suite F, Clearwater, FL, 33763
We offer the most competitive interest rates in the mortgage industry and the lowest closing costs. Our streamlined approval and in-house processing allows for personal attention to your loan and on time closings with no unpleasant surprises.Our loan officers work individually with each client to find the best loan for your needs.
HOMEBANK Headquartered in Palmyra, MO since 1934, we have 9 branches throughout Mid and Northeast Missouri and Quincy, IL. All our lobbies are open again during normal business hours. Our friendly Customer Service Representatives and Loan Officers would love to meet with you in person
29750 US Highway 19 North, Suite 100, Clearwater, FL, 33761
Flagship Bank was founded by a local Board of Directors, owned by committed local shareholders & operated by successful, local bankers with deep roots in our community. As a community-based bank, Flagship Bank is committed to renewing former relationships and building new relationships by catering to the financial needs of owner managed businesses
Lewin & Associates, Inc. was established in 1996 by President and founder Michael A. Lewin, Investment Advisor Representative. Michael has worked in the financial services industry for over 25 years. Lewin & Associates, Inc. specializes in financial planning and mortgages. We work to help people with savings plans
We’re a Florida-based direct lender specializing in both traditional and non-traditional financing options.
We understand the Florida marketplace and have created a lending platform to serve the unique needs of homebuyers here in the Sunshine State.
Our branch office is located in Clearwater, FL. Our home office is located in Maitland, FL
28870 US Highway 19 North, Suite 320, Clearwater, FL, 33761
At Mortgage Alliance, LLC, (PMA) was founded in 2014 by its President and CEO Mr. Michael L. Banner. We operate in Florida and New Jersey
Mr. Banner brings 36 years of mortgage experience to the table and has established PMA as a premier mortgage company offering Fannie Mae, Freddie Mac, FHA, VA and Reverse Mortgages.
