In 2025, the USDA loan limit for Waynesboro, located in Wayne county, MS, is $336,500. In contrast, the limit for FHA loans applicable to a single-family home is $472,030.
Utilize Lendersa®'s USDA loan calculator to compare the best rates for USDA versus FHA loans available today, and identify the necessary income, credit, reserves, and documents required for qualification. Through our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, which assists in choosing the optimal program for your specific financial scenario 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 aim of Lendersa® is to provide you promptly with the best USDA or FHA loan possible and hassle-free. You can start by choosing one of three paths that connect you with matching lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also called a USDA rural development loan or mortgage, is uniquely available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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