USDA VS FHA in Winona, Montgomery County, MS

In 2025, USDA loan limit in Winona, county of Montgomery, MS is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Winona, county of Montgomery, MS

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Winona, MS

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Mississippi?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Paddio
  • 1930 W Bennett St, Suite 100, Springfield, MO, 65807
  • Paddio Home Loans is brought to you by the same incredible team behind Veterans United Home Loans. A commitment to service has fueled our work with Veterans and military families nationwide the past 18 years. Now we’re excited to deliver those same high-quality customer experiences across the country to non-military homebuyers.
  • Atlanta Mortgage & Financial Group Inc
  • 4100 Five Forks Trickum Rd, Suite C, Lilburn, GA, 30047
  • Atlanta Mortgage & Financial Group, Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward
  • BluCurrent Credit Union
  • 1770 W Sunset, Springfield, MO, 65807
  • BluCurrent Credit Union is Springfield's largest credit union with over 22, 000 members, 4 branch locations, and over $260 million in assets. We provide access to more than 5, 000 shared branches through our unique CU Service Center affiliation, and nearly 30, 000 free Nationwide ATMs through our CO-OP Network membership.
  • Home Mortgage Group INC
  • 3608 S Campbell Avenue, Springfield, MO, 65807
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Innovations Federal Credit Union
  • PO Box 16267, Panama City Beach, FL, 32407
  • Innovations is not a bank. We’re a credit union. We’re a not-for-profit financial cooperative, made up of a bunch of wonderful members–all of whom have some kind of connection to Bay County. If you live, work, worship, volunteer, or attend school in Bay County, Florida, you’re eligible to join. Business and other legal entities are in too.
  • Bank of Billings
  • 104 NE Elm Street, Billings, MO, 65610
  • Bank Of Billings is a branch office of Bank Of Billings. They provide the following services: Full Service Office Location and are located at 104 N E Elm Street in Billings Missouri. Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website
  • Phelps County Bank
  • 718 North Pine Street, Rolla, MO, 65401
  • Phelps County Bank is 100% owned by our employees through an Employee Stock Ownership Plan (ESOP). Our mission is to build relationships with purpose, integrity, and fairness through a commitment to teamwork, education, and growth - believing that contributions of time, talents, and service lead to a better community for all.
  • Riverways Federal Credit Union
  • 1012 Forum Drive, Rolla, MO, 65401
  • Riverways Federal Credit Union, you’ll have access to all the same services you would use at other financial institutions. The difference is that at Riverways Federal Credit Union, you’ll get a better deal, and you’ll receive better service and also We enjoy helping our members grow financially and work towards their long term goals.