For 2026, the USDA loan maximum in Water-Valley, county of Yalobusha, MS, is $285,000. Meanwhile, the FHA limit is set at $356,362 for a single-family house.
Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA current rates and understand the income, credit scores, reserves, and documentation required to qualify. This advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program available in tailored to your financial needs.
2026 loan limits and down payment requirements in Water-Valley, county of Yalobusha, MS
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Loan Opportunities: USDA and FHA in Water-Valley, MS
At Lendersa®, we aim to secure the optimal USDA or FHA loans for you swiftly and effortlessly. You can choose among three starting options that connect you with matching lenders and USDA loan offerings.
A USDA home loan is backed by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, and is designated for rural areas only. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.
FNB Oxford Bank has over 65 employees who are a crucial part of this community. Not only do they contribute to the economic well-being of Lafayette County by providing loans and other banking services, they also contribute to the quality of life in Oxford and Lafayette County through civic and charitable activities.
Mechanics Mortgage opened in December of 1996 to provide our community with specialized service in permanent residential financing. Our primary service areas are Oxford, Water Valley and the surrounding communities. We provide counseling and pre-qualification to those interested in purchasing or building a new home,
We are ONE with the people we serve. For more than a half century, your cares have been our concerns. Your needs, our priorities. At First Security Bank, our growth remains rooted in being the ONE bank that can relate to everyone, with products and services that are number ONE. See what we can do together, as ONE.
For over 100 years, Mississippi Land Bank has been one of the premier lenders for land in the northern 32 counties of Mississippi. From a homesite with a few acres to an agriculture or hunting property with a few thousand acres – we offer long-term financing for land purchases and refinancing.
Bank of New Albany, BNA Bank is a state-chartered bank that has grown from a single location in downtown New Albany to 8 total locations. BNA Bank is one of the few ‘A’ rated banks by Weiss Bank Rating Services and was inducted into the Seifried and Brew Top 15th percentile of community banks.
We are a private financial institution for members of our community and surrounding areas. We are a full-service federally insured bank. We provide a large selection of banking products and services, with options to meet every level of need. We offer checking and savings accounts; mortgage loans; personal loans; and small business loans.
We were founded in 1885 and are the oldest financial institution serving Montgomery and Carroll County. The bank has been locally owned and operated since its founding. Bank of Winona provides a wide array of services to both businesses and individuals. Full Service Bank. Auto, Mortgage, Personal & Business Loans and Services.
Gum Tree Mortgage assists clients from all credit grades and secures mortgage loans in the states of Mississippi and Montana. We pride ourself on having unique products to fit the various needs of our clients. Contact Gum Tree Mortgage at 877-356-6528 to find out more about the products and services we can provide
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.
