USDA Vs. FHA your options comparison in Southaven, DeSoto County, MS
In 2026, the USDA loan limit for Southaven in DeSoto, MS, is $336,500. The FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, allowing you to determine the necessary income, credit rating, reserves, and documents needed for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, helping you choose the best program for your financial circumstances in .
2026 Loan Limits and Downpayment Requirements in Southaven, DeSoto 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 Options in Southaven, MS
Lendersa® aims to efficiently acquire the best USDA or FHA loan for you without hassle. You can choose from one of three pathways to discover matching lenders and USDA loan programs.
A USDA home loan, often referred to as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and available exclusively in rural regions. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.
975 Swinnea Ridge Boulevard, Suite 2, Southaven, MS, 38671
Lends in Mississippi
Our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.
Desoto Home Mortgage (Brad Walker) is a LOCALLY OWNED & OPERATED Mortgage Company located in Southaven, MS. (Licensed in Mississippi & Tennessee -NMLS# 1248883) You name it, Desoto Home Mortgage can do it. We have GREAT RATES, and HUNDREDS OF MORTGAGE LOAN PROGRAMS to meet your homeownership needs
Here at Fairway Independent Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. We look forwar
6897 Crumpler Blvd, Suite 300, Olive Branch, MS, 38654
Lends in Mississippi
Apex Mortgage Group LLC specializes in helping you understand all of your mortgage & financing options so you can make smart and informed decisions. Whether you need help negotiating a mortgage or buying a new home, Apex Mortgage Group LLC can manage all your mortgage needs. My Refinancing services will take the complications out of the process.
