In 2025, 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 2025 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.
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