USDA Vs. FHA Pro and Con comparison in St.-Martin, Jackson County, MS

In 2025, the USDA loan limit in St.-Martin county of Jackson, MS is $285,000, while the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA versus FHA rates, determining the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the best program for your financial requirements in .

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2025 Loan Limits and Down Payment Requirements in St.-Martin, Jackson, MS

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in St.-Martin, MS

The aim of Lendersa® is to quickly secure you the best USDA or FHA loan without any complications. Select one of three available starting points that link you with suitable lenders and USDA loan programs.

Lendersa USDA loan request and results

Understanding the USDA Loan in MS

A USDA home loan is a mortgage guaranteed by the U.S. Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, 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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