In the year 2026, the USDA loan ceiling for Picayune, located in Pearl River county, MS, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to examine the current best rates between USDA and FHA, and determine the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA side by side, assisting in choosing the most suitable program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to efficiently secure you the best USDA or FHA loan with minimal hassle. Begin by selecting one of three options that connect you with matching lenders and available USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is available solely in rural areas. In contrast to FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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