USDA and FHA Pro and Con in Yazoo-City, Yazoo County, MS

In 2025, the USDA loan limit for Yazoo-City, Yazoo county, MS is $285,000, while the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare current USDA and FHA rates, and assess the income, credit, reserves, and documents required. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, helping determine the best program in for your financial needs.

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2025 Loan Limits & Down Payment Requirements in Yazoo-City, Yazoo County, 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 Loans in Yazoo-City, MS

Lendersa® aims to secure the best USDA or FHA loans swiftly and hassle-free. Choose from three starting options to connect with lenders and USDA programs.

Lendersa USDA loan request and results

Understanding USDA Loans in MS

A USDA home loan, guaranteed by the Department of Agriculture—also known as a USDA rural development loan or mortgage—is exclusively available in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans require no down payment.

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



  • Heritage Home Loans
  • 1414 W Garland Avenue, Suite 109, Spokane, WA, 99205
  • We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.
  • SPOKANE MEDIA FEDERAL CREDIT UNION
  • 6103 N Astor Street, Spokane, WA, 99208
  • Spokane Media Federal Credit Union. The original mission of the credit union was to encourage savings and grant members easier access to money for use in emergencies. SMFCU expanded its field of membership in 1973 to include radio, television and newspaper employees. Because we are a federally chartered institution, we adhere to guidelines that ens
  • Mocse Credit Union
  • 3600 Coffee Rd, Modesto, CA, 95355
  • When Mocse Federal Credit Union was granted its charter in February of 1959, Mocse’s membership consisted of seven members and an asset size of $35.00. These seven founding members recognized that employees of Modesto City Schools were in need of financial services provided by a credit union. They were correct in this assumption.
  • JLV Realty and Mortgage
  • 400 12th Street, Suite 28, Modesto, CA, 95354
  • Jose Valencia as a Broker Associate and owner of JLV Realty and Mortgage with a full Real Estate Service and also a variety loans programs to buy or refinance. Also if you need to sell your home, We will be able to help you. JLV Realty and Mortgage will to work under the principal that the client is always right even though we are also realistic.
  • Lending For Living
  • 1020 15th Street, Suite 10, Modesto, CA, 95354
  • Lending for Living is locally owned and operated offering extraordinary loan services for individuals seeking to fulfil their dream of home ownership, refinance or create stability. Years of experience and a knack for the challenging has earned us the reputation of being "VA Specialists" and "Mountain Property Specialists".
  • NorCal Mortgage
  • 1127 13TH ST, Suite A, Modesto, CA, 95354
  • This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
  • Valley First Credit Union
  • PO Box 1411, Modesto, CA, 95353
  • Valley First Credit Union provides quality financial services to the growing and diverse communities of Calaveras, Fresno, Kings, Madera, Mariposa, Merced, San Joaquin, Stanislaus, Tulare, and Tuolumne Counties. We are a not-for-profit financial cooperative that is owned by our members.
  • Upstar Home Mortgage Inc.
  • 2005 Evergreen Ave., Modesto, CA, 95350
  • Upstar Home Mortgage Inc. is a trusted lender offering competitive home loans and refinancing solutions. With a customer-first approach, they provide personalized mortgage options, expert guidance, and a seamless loan process. Upstar helps clients achieve homeownership with flexible terms and great rates.
  • Alameda Mortgage Corporation
  • 1101 Sylvan Avenue, Suite C-102, Modesto, CA, 95350
  • "At AMC, we believe how you get your mortgage matters. In 1968, fed up with the mechanization and lack of character in the mortgage industry, we decided to embark on something new. We moved an industry typically reserved for big banks to a small business venue and it turns out we were on to something. Over the years we have grown"
  • Carrollton Mortgage Co.
  • 3400 Tully Road, Suite A, Modesto, CA, 95350
  • Carrollton Mortgage Co are completely committed to helping you find the right mortgage to fit your needs. Our team of mortgage professionals will provide you with the information you need to make an informed decision. We put people first. You can enjoy a free personalized consultation by visiting or calling our offices.
  • Taylor Mortgage Company, Inc.
  • 1920 Standiford Avenue, Suite 2, Modesto, CA, 95350
  • Taylor Mortgage Company is a locally owned mortgage brokerage offering home loans at the current lowest rates and fees available on the market. As a mortgage broker, as versus a banker, Taylor Mortgage can offer financing plans and programs at rates, fees, and terms many other companies can't even dream of.
  • S/L Mortgage
  • 509 Scenic Dr, Modesto, CA, 95350
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.