In 2026, the USDA loan limit in University, located in Lafayette county, MS, is $336,500. Meanwhile, the FHA limit for a single-family residence reaches $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates and determine the income, credit, reserves, and necessary documents for qualification. With our state-of-the-art mortgage calculator, you can easily compare USDA, FHA, Conforming, and VA loan options side by side, facilitating your decision on the ideal program to suit your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to promptly secure the best possible USDA or FHA loan for you without hassle. Start with one of three clear paths to find matched lenders and appropriate USDA loan programs.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, exclusively available in rural areas. Unlike FHA loans requiring a down payment of at least 3.5%, USDA loans necessitate no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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