USDA and FHA Pro and Con in Richland, Rankin County, MS

In 2025, the USDA loan limit for Richland, within Rankin county, MS, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates available today and determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program in for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Richland, Rankin, 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 Richland, MS

The goal of Lendersa® is to get you the best USDA or FHA loan quickly and without hassle. Choose one of three starting points that connect you with matching lenders and USDA loan programs.

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What is a USDA Loan in MS?

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.

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



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