USDA and FHA Pro and Con in West-Point, Clay County, MS
In 2026, the USDA loan limit for West-Point, situated in Clay county, MS, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA and FHA rates, determining the necessary income, credit, reserves, and documents for application. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, which aids in selecting the most suitable program in for your financial needs.
2026 Loan Limits and Down Payment Requirements in West-Point, Clay, MS
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in West-Point, MS
Lendersa® aims to quickly secure the most favorable USDA or FHA loan for you, without hassle. Select from three starting points to connect with compatible lenders and explore USDA loan programs.
A USDA home loan is guaranteed by the U.S. Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is available solely in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages do not require any down payment.
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.
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.
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.
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.
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
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
Our vision is to be the financial services advisor and provider of choice in each community we serve. Our Mission is to To provide quality financial services and advice by: Understanding, then meeting the needs of our customers, Creating security and opportunity for our employees, Being good citizens in our communities.
