In 2026, the USDA loan limit in West-Hattiesburg, located in Lamar county, MS, amounts to $285,000, whereas the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to evaluate the most competitive USDA versus FHA rates available today. Determine the needed income, credit rating, reserves, and documents for eligibility. Our advanced calculator showcases USDA, FHA, Conforming, and VA comparison, helping you choose the best option in for your financial state.
Loan Limits and Downpayment Needs in 2026 for West-Hattiesburg, Lamar, MS
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Choices in West-Hattiesburg, MS
The goal of Lendersa® is to swiftly secure the best possible USDA or FHA loans without difficulties. Choose one of three starting paths that lead to matching lenders and USDA loan options.
The USDA home loan, often referred to as a USDA mortgage or rural development loan, is guaranteed by the government through the Department of Agriculture and is offered only in rural areas. Unlike FHA loans which require a minimum 3.5% down payment, no down payment is needed for USDA loans.
At Grand Bank we put people first. We have been providing our customers with superior and flexible service with a hometown approach since 1968. Our mission is to serve our communities and customers so that families grow stronger, businesses thrive, and communities flourish. Grand Bank is both a great place to save for our customers.
Warehouse Avenue, Building 82, Camp Shelby, MS, 39407
Lends in Mississippi
Camp Shelby Federal Credit Union is a not-for-profit, member owned financial institution. Its mission is to serve members’ needs by encouraging savings and offering a reasonable rate of return. The Camp Shelby Federal Credit Union seeks to provide the best possible financial services to its members while maintaining its financial stability.
Pine Belt Federal Credit Union is a members-focused institution located in Hattiesburg & New Augusta, MS, dedicated to helping you save money and meet your financial goals. Applications for loans and membership can be filled out online quickly and easily! We offer savings accounts, loans, no-cost notary services, 24-hour ATM access, and much more!
CenturyFirst Federal Credit Union is a full service not-for-profit financial institution that is owned by the members it serves. We are dedicated to providing a wide variety of services, all with competitive rates and fees for the members we serve. We have a large group of sponsors that includes not only The University of Southern Mississippi.
618 Campbell Loop, Suite 10, Hattiesburg, MS, 39401
Lends in Mississippi
We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
Covington County Bank has been offering customers outstanding service for over 40 years. From checking accounts to loans, and everything in between, we will find a product that suits your needs! A friendly hometown bank ready to meet all of your banking needs. Locally owned, locally headquartered.
Citizens Bank can trace its origins back to 1913, when Henry and Sallie Rankin acted on their belief that the Columbia area needed a bank that could be responsive to the financial needs of individuals and businesses within their community. Twenty-four original shareholders raised $35, 000 in capital to form the Bank.
At Central Sunbelt, we have tons of great options to buy, build, or enhance your home to fit your lifestyle and wallet. Flexible loan options paired with competitive rates and as little as zero down payment allow new or seasoned home-buyers to make the right decision for their home. We are excited to get started on making your dreams come true.
The Bank of Richton closed in 1930 and a new bank was organized that year with E.M. Gavin as President and T.W. Milner as vice president. This was the first organization of the Richton Bank and Trust Company. However in 1932 the Richton Bank and Trust Company was reorganized with B. M. Stevens appointed President, C.S. Bentley as Vice President.
