In 2026, the USDA loan cap in Ridgeland, part of Madison county, MS, is set at $336,500, while the FHA cap for a single-family dwelling is $472,030.
Make use of the Lendersa® USDA loan calculator to contrast today's top USDA versus FHA rates and ascertain the necessary income, credit score, reserves, and documentation for qualification. By employing our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you decide the most appropriate program in for your financial situation.
Loan Limits and Down Payment Needs for 2026 in Ridgeland, Madison County, MS
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Ridgeland, MS
Lendersa®'s mission is to secure you the most suitable USDA or FHA loan promptly and effortlessly. Select one of three initial steps to connect with compatible lenders and USDA loan options.
The USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans, which mandate at least a 3.5% down payment, USDA mortgages do not require any down payment.
At ECM Federal Credit Union! We are a member-owned credit union. When you join the family, you can take advantage of banking services, competitive rates, and personalized service. ECM Federal Credit Union has been open since 1967. It is the 25th largest credit union in Mississippi with assets totaling $25.84 Million
MECU was originally chartered solely for the employees of Presto Manufacturing Company in Jackson. Our humble credit union has grown to include more than 600 member companies across central and northern Mississippi.
At Members Exchange, you’ll know right away that you’re more than a customer – you’re a member.
First South is a financial cooperative, which means we are owned by customers just like you. When borrowing from First South, you become a stockholder and a member. Our mission is to support agriculture and rural communities by providing a steady flow of credit to eligible borrowers in Alabama, Louisiana, and Mississippi.
713 South Pear Orchard Road, Suite 101, Ridgeland, MS, 39157
Lends in Mississippi
BrightView Credit Union is owned by its customers, but instead of customers, we call them “members.” Other financial institutions have stockholders who own the institution. Our members are owners and “users” of BrightView. When an individual joins BrightView, part of their initial deposit is their “share” of ownership in the credit union.
589 Northpark Drive, Suite D, Ridgeland, MS, 39157
Lends in Mississippi
Our mortgage experts will analyze your finances and recommend the best mortgage that suites your needs. Once we gather all of the information we will give your options and help you decide which product is the best fit for you. Our goal is to get you the best possible deal available.
681 Towne Center Blvd, Suite A, Ridgeland, MS, 39157
Lends in Mississippi
MS Lending, LLC is a boutique mortgage brokerage lending throughout the state of Mississippi with offices in Ridgeland and Ocean Springs, Mississippi. Whether buying or refinancing, MS Lending has a wide array of options to help you meet your financial goals. Michelle Dugan has been named a Top 20 Mortgage Professional in 2020 by Yahoo! Finance,
BankPlus is one of the Southeast’s premier regional banks serving consumers & businesses with the latest technology through a full suite of financial services, including retail banking, commercial banking, mortgage lending & wealth management. With more than $4.5 billion in total assets, BankPlus operates 79 financial centers throughout MS, AL, LA.
Magnolia Federal Credit Union is a multi-million-dollar, full-service financial institution offering a large suite of financial products and services to its members. Because we’re not focused on shareholders, we return our earnings to our members in the form of reduced fees, lower interest rates on loans, and higher returns on savings.
FCB’s special focus and intensely personal approach have changed the commercial banking landscape in Mississippi. In January 2013, FCB opened a second location in Ridgeland, bringing our affinity for serving the banking needs of businesses and professionals to that fast-growing, dynamic market.
