USDA Vs. FHA your options comparison in Starkville, Oktibbeha County, MS
As of 2026, 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 .
2026 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.
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.
1st Legacy Capital was founded by Ken Freshwater & Andy Shurden in 2016. After nearly 40 years of combined mortgage experience, Ken & Andy formed 1st Legacy Capital LLC to provide consumers in Mississippi the premier resource for Mississippi Reverse Mortgage Loans. 1st Legacy is located in Starkville Mississippi & serves consumers state wide.
BankFirst is headquartered in Columbus, Mississippi with extensive corporate operations in Macon, Mississippi. Established in 1888 with one location, we currently operate 30 branch locations in Mississippi and Alabama and three loan production offices in Biloxi, Brookhaven and Oxford, Mississippi. We have been a Community Development Financial Inst
Triangle Federal Credit Union was chartered in 1959 under the name of Columbus Air Force Base Federal Credit Union to serve the active and retired military personnel of CAFB. More than 60 years later, our home office remains on CAFB where we proudly continue serving those who serve.
AMPOT Federal Credit Union was founded as a credit union for American Potash employees and their immediate families, June 30, 1969. We have served these families since that time and we have remained a strong, secure credit union throughout the years. Since our beginning, American Potash has changed names to Kerr McGee Chemical and now it is Tronox.
The Bank of Okolona is a hometown bank that has been serving Chickasaw County and the surrounding area for over 75 years. Whether it is a personal deposit account or a business loan that brings you to the Bank of Okolona, we can help. We hope this website and its contents will be helpful with your banking from home or the office.
Since 1904 Bank of Kilmichael has been committed to community banking and to our local towns and cities. If there’s one thing we've learned over these past 100-plus years of serving our customers, it’s that friendly goes a long way. A long way toward keeping our customers loyal year after year, generation after generation.
The Choctaw Federal Credit Union is a nonprofit, cooperative financial institution owned and run by its members. Organized to serve, democratically controlled credit unions provide their members with a safe place to save and borrow at reasonable rates. Members pool their funds to make loans to one-another.
The Citizens Bank of Philadelphia has locations throughout Mississippi, from Starkville to the Gulf Coast. With an emphasis on community banking and banking on the communities we serve, we hope to grow dreams and improve the areas within our footprint. With over a century of service, The Citizens Bank stands on a past of strength and stability
