USDA VS FHA in Starkville, Oktibbeha County, MS

As of 2025, the USDA loan limit in Starkville, located in Oktibbeha, MS, is $336,500. At the same time, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to assess and compare today’s top USDA and FHA rates, helping you determine the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to choose the most suitable program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Starkville, Oktibbeha 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 Starkville, MS

The goal of Lendersa® is to swiftly provide you with the best USDA or FHA loan, without hassle. Choose one of three starting points to connect with compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MS

A USDA home loan, commonly called a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is exclusively available in rural neighborhoods. Unlike FHA loans that need a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • Scott Friedman Financial Inc
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  • ACT 4 Cash Finance
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  • Direct Capital Funding
  • 333 N. Lantana Street, Suite 100, Camarillo, CA, 93010
  • DC Funding was founded on the idea and principle of building a better living with excellent support and service.We focus on incorporating and mastering the latest technologies & procedures keeping our associates above the crowd.Our team of professionals set a stronger standard of business, abide by a strict code of ethics and give superior service.
  • ATC Managers, LLC
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  • ATC Managers, LLC is a nation-wide direct private lender based in Bakersfield, CA. We specialize in time-sensitive and value-added deals underserved by banks and other traditional capital sources, as well as provide opportunity and rescue capital. Whether you need to close fast, have a distressed asset, or need a non-recourse loan, ATC Managers
  • Valley Strong Credit Union
  • 11500 Bolthouse Drive, Bakersfield, CA, 93311
  • In 1938, a small group of dedicated and concerned teachers met for the purpose of forming a financial cooperative for school employees and their families. From these very humble beginnings, Valley Strong Credit Union was founded and formed. Our mission is to turn people’s financial possibilities into financial realities.
  • San Joaquin Valley Mortgage
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  • Level One Financial
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  • Karpe Real Estate Center
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  • Valley Ag Federal Credit Union
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  • Triple C Mortgage Inc.
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  • LATAH CREDIT UNION
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