What are FHA Loan Limits in Mississippi?

FHA loans are a low down payment mortgage program and Mississippi FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Mississippi are set at the floor amount of $275,665 across nearly the entire state.

Mississippi FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAMSNATCHEZ, MS-LA$275,665$352,950$426,625$530,150
ALCORNCORINTH, MS$275,665$352,950$426,625$530,150
AMITEMCCOMB, MS$275,665$352,950$426,625$530,150
ATTALANON-METRO$275,665$352,950$426,625$530,150
BENTONMEMPHIS, TN-MS-AR$275,665$352,950$426,625$530,150
BOLIVARCLEVELAND, MS$275,665$352,950$426,625$530,150
CALHOUNNON-METRO$275,665$352,950$426,625$530,150
CARROLLGREENWOOD, MS$275,665$352,950$426,625$530,150
CHICKASAWNON-METRO$275,665$352,950$426,625$530,150
CHOCTAWNON-METRO$275,665$352,950$426,625$530,150
CLAIBORNEVICKSBURG, MS$275,665$352,950$426,625$530,150
CLARKEMERIDIAN, MS$275,665$352,950$426,625$530,150
CLAYNON-METRO$275,665$352,950$426,625$530,150
COAHOMACLARKSDALE, MS$275,665$352,950$426,625$530,150
COPIAHJACKSON, MS$281,750$360,700$436,000$541,800
COVINGTONNON-METRO$275,665$352,950$426,625$530,150
DESOTOMEMPHIS, TN-MS-AR$275,665$352,950$426,625$530,150
FORRESTHATTIESBURG, MS$275,665$352,950$426,625$530,150
FRANKLINNON-METRO$275,665$352,950$426,625$530,150
GEORGENON-METRO$275,665$352,950$426,625$530,150
GREENENON-METRO$275,665$352,950$426,625$530,150
GRENADAGRENADA, MS$275,665$352,950$426,625$530,150
HANCOCKGULFPORT-BILOXI-PASCAGOULA, MS$275,665$352,950$426,625$530,150
HARRISONGULFPORT-BILOXI-PASCAGOULA, MS$275,665$352,950$426,625$530,150
HINDSJACKSON, MS$281,750$360,700$436,000$541,800
HOLMESNON-METRO$275,665$352,950$426,625$530,150
HUMPHREYSNON-METRO$275,665$352,950$426,625$530,150
ISSAQUENANON-METRO$275,665$352,950$426,625$530,150
ITAWAMBATUPELO, MS$275,665$352,950$426,625$530,150
JACKSONGULFPORT-BILOXI-PASCAGOULA, MS$275,665$352,950$426,625$530,150
JASPERLAUREL, MS$275,665$352,950$426,625$530,150
JEFFERSONNON-METRO$275,665$352,950$426,625$530,150
JEFFERSON DAVISNON-METRO$275,665$352,950$426,625$530,150
JONESLAUREL, MS$275,665$352,950$426,625$530,150
KEMPERMERIDIAN, MS$275,665$352,950$426,625$530,150
LAFAYETTEOXFORD, MS$275,665$352,950$426,625$530,150
LAMARHATTIESBURG, MS$275,665$352,950$426,625$530,150
LAUDERDALEMERIDIAN, MS$275,665$352,950$426,625$530,150
LAWRENCENON-METRO$275,665$352,950$426,625$530,150
LEAKENON-METRO$275,665$352,950$426,625$530,150
LEETUPELO, MS$275,665$352,950$426,625$530,150
LEFLOREGREENWOOD, MS$275,665$352,950$426,625$530,150
LINCOLNBROOKHAVEN, MS$275,665$352,950$426,625$530,150
LOWNDESCOLUMBUS, MS$275,665$352,950$426,625$530,150
MADISONJACKSON, MS$281,750$360,700$436,000$541,800
MARIONNON-METRO$275,665$352,950$426,625$530,150
MARSHALLMEMPHIS, TN-MS-AR$275,665$352,950$426,625$530,150
MONROENON-METRO$275,665$352,950$426,625$530,150
MONTGOMERYNON-METRO$275,665$352,950$426,625$530,150
NESHOBANON-METRO$275,665$352,950$426,625$530,150
NEWTONNON-METRO$275,665$352,950$426,625$530,150
NOXUBEENON-METRO$275,665$352,950$426,625$530,150
OKTIBBEHASTARKVILLE, MS$275,665$352,950$426,625$530,150
PANOLANON-METRO$275,665$352,950$426,625$530,150
PEARL RIVERPICAYUNE, MS$275,665$352,950$426,625$530,150
PERRYHATTIESBURG, MS$275,665$352,950$426,625$530,150
PIKEMCCOMB, MS$275,665$352,950$426,625$530,150
PONTOTOCTUPELO, MS$275,665$352,950$426,625$530,150
PRENTISSNON-METRO$275,665$352,950$426,625$530,150
QUITMANNON-METRO$275,665$352,950$426,625$530,150
RANKINJACKSON, MS$281,750$360,700$436,000$541,800
SCOTTNON-METRO$275,665$352,950$426,625$530,150
SHARKEYNON-METRO$275,665$352,950$426,625$530,150
SIMPSONJACKSON, MS$281,750$360,700$436,000$541,800
SMITHNON-METRO$275,665$352,950$426,625$530,150
STONENON-METRO$275,665$352,950$426,625$530,150
SUNFLOWERINDIANOLA, MS$275,665$352,950$426,625$530,150
TALLAHATCHIENON-METRO$275,665$352,950$426,625$530,150
TATEMEMPHIS, TN-MS-AR$275,665$352,950$426,625$530,150
TIPPAHNON-METRO$275,665$352,950$426,625$530,150
TISHOMINGONON-METRO$275,665$352,950$426,625$530,150
TUNICAMEMPHIS, TN-MS-AR$275,665$352,950$426,625$530,150
UNIONNON-METRO$275,665$352,950$426,625$530,150
WALTHALLNON-METRO$275,665$352,950$426,625$530,150
WARRENVICKSBURG, MS$275,665$352,950$426,625$530,150
WASHINGTONGREENVILLE, MS$275,665$352,950$426,625$530,150
WAYNENON-METRO$275,665$352,950$426,625$530,150
WEBSTERNON-METRO$275,665$352,950$426,625$530,150
WILKINSONNON-METRO$275,665$352,950$426,625$530,150
WINSTONNON-METRO$275,665$352,950$426,625$530,150
YALOBUSHANON-METRO$275,665$352,950$426,625$530,150
YAZOOJACKSON, MS$281,750$360,700$436,000$541,800

Mississippi FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Mississippi FHA Limits Set?

Mississippi FHA Loan LimitsMortgage limits for Mississippi FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Mississippi FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in MS is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in MS is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Mississippi FHA loan limits are set at the nationwide floor amount in Biloxi, Vicksburg, Gulfport, Hattiesburg, Southaven, Tupelo, Oxford, Starkville and Natchez. The Jackson area limit is slightly elevated. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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