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$331,760$424,800$513,450$638,100
ALCORNCORINTH, MS$331,760$424,800$513,450$638,100
AMITENON-METRO$331,760$424,800$513,450$638,100
ATTALANON-METRO$331,760$424,800$513,450$638,100
BENTONNON-METRO$331,760$424,800$513,450$638,100
BOLIVARCLEVELAND, MS$331,760$424,800$513,450$638,100
CALHOUNNON-METRO$331,760$424,800$513,450$638,100
CARROLLGREENWOOD, MS$331,760$424,800$513,450$638,100
CHICKASAWNON-METRO$331,760$424,800$513,450$638,100
CHOCTAWNON-METRO$331,760$424,800$513,450$638,100
CLAIBORNENON-METRO$331,760$424,800$513,450$638,100
CLARKEMERIDIAN, MS$331,760$424,800$513,450$638,100
CLAYWEST POINT, MS$331,760$424,800$513,450$638,100
COAHOMACLARKSDALE, MS$331,760$424,800$513,450$638,100
COPIAHJACKSON, MS$331,760$424,800$513,450$638,100
COVINGTONHATTIESBURG, MS$331,760$424,800$513,450$638,100
DESOTOMEMPHIS, TN-MS-AR$331,760$424,800$513,450$638,100
FORRESTHATTIESBURG, MS$331,760$424,800$513,450$638,100
FRANKLINNON-METRO$331,760$424,800$513,450$638,100
GEORGENON-METRO$331,760$424,800$513,450$638,100
GREENENON-METRO$331,760$424,800$513,450$638,100
GRENADAGRENADA, MS$331,760$424,800$513,450$638,100
HANCOCKGULFPORT-BILOXI, MS$331,760$424,800$513,450$638,100
HARRISONGULFPORT-BILOXI, MS$331,760$424,800$513,450$638,100
HINDSJACKSON, MS$331,760$424,800$513,450$638,100
HOLMESJACKSON, MS$331,760$424,800$513,450$638,100
HUMPHREYSNON-METRO$331,760$424,800$513,450$638,100
ISSAQUENANON-METRO$331,760$424,800$513,450$638,100
ITAWAMBATUPELO, MS$331,760$424,800$513,450$638,100
JACKSONGULFPORT-BILOXI, MS$331,760$424,800$513,450$638,100
JASPERLAUREL, MS$331,760$424,800$513,450$638,100
JEFFERSONNON-METRO$331,760$424,800$513,450$638,100
JEFFERSON DAVISNON-METRO$331,760$424,800$513,450$638,100
JONESLAUREL, MS$331,760$424,800$513,450$638,100
KEMPERMERIDIAN, MS$331,760$424,800$513,450$638,100
LAFAYETTEOXFORD, MS$331,760$424,800$513,450$638,100
LAMARHATTIESBURG, MS$331,760$424,800$513,450$638,100
LAUDERDALEMERIDIAN, MS$331,760$424,800$513,450$638,100
LAWRENCENON-METRO$331,760$424,800$513,450$638,100
LEAKENON-METRO$331,760$424,800$513,450$638,100
LEETUPELO, MS$331,760$424,800$513,450$638,100
LEFLOREGREENWOOD, MS$331,760$424,800$513,450$638,100
LINCOLNBROOKHAVEN, MS$331,760$424,800$513,450$638,100
LOWNDESCOLUMBUS, MS$331,760$424,800$513,450$638,100
MADISONJACKSON, MS$331,760$424,800$513,450$638,100
MARIONNON-METRO$331,760$424,800$513,450$638,100
MARSHALLMEMPHIS, TN-MS-AR$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYNON-METRO$331,760$424,800$513,450$638,100
NESHOBANON-METRO$331,760$424,800$513,450$638,100
NEWTONNON-METRO$331,760$424,800$513,450$638,100
NOXUBEENON-METRO$331,760$424,800$513,450$638,100
OKTIBBEHASTARKVILLE, MS$331,760$424,800$513,450$638,100
PANOLANON-METRO$331,760$424,800$513,450$638,100
PEARL RIVERPICAYUNE, MS$331,760$424,800$513,450$638,100
PERRYHATTIESBURG, MS$331,760$424,800$513,450$638,100
PIKEMCCOMB, MS$331,760$424,800$513,450$638,100
PONTOTOCTUPELO, MS$331,760$424,800$513,450$638,100
PRENTISSTUPELO, MS$331,760$424,800$513,450$638,100
QUITMANNON-METRO$331,760$424,800$513,450$638,100
RANKINJACKSON, MS$331,760$424,800$513,450$638,100
SCOTTNON-METRO$331,760$424,800$513,450$638,100
SHARKEYNON-METRO$331,760$424,800$513,450$638,100
SIMPSONJACKSON, MS$331,760$424,800$513,450$638,100
SMITHNON-METRO$331,760$424,800$513,450$638,100
STONEGULFPORT-BILOXI, MS$331,760$424,800$513,450$638,100
SUNFLOWERINDIANOLA, MS$331,760$424,800$513,450$638,100
TALLAHATCHIENON-METRO$331,760$424,800$513,450$638,100
TATEMEMPHIS, TN-MS-AR$331,760$424,800$513,450$638,100
TIPPAHNON-METRO$331,760$424,800$513,450$638,100
TISHOMINGONON-METRO$331,760$424,800$513,450$638,100
TUNICAMEMPHIS, TN-MS-AR$331,760$424,800$513,450$638,100
UNIONNON-METRO$331,760$424,800$513,450$638,100
WALTHALLNON-METRO$331,760$424,800$513,450$638,100
WARRENVICKSBURG, MS$331,760$424,800$513,450$638,100
WASHINGTONGREENVILLE, MS$331,760$424,800$513,450$638,100
WAYNENON-METRO$331,760$424,800$513,450$638,100
WEBSTERSTARKVILLE, MS$331,760$424,800$513,450$638,100
WILKINSONNON-METRO$331,760$424,800$513,450$638,100
WINSTONNON-METRO$331,760$424,800$513,450$638,100
YALOBUSHANON-METRO$331,760$424,800$513,450$638,100
YAZOOJACKSON, MS$331,760$424,800$513,450$638,100

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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