Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Mississippi. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Mississippi Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Adams County, MS | $306,000 | $391,000 |
| Alcorn County, MS | $306,000 | $391,000 |
| Amite County, MS | $306,000 | $391,000 |
| Attala County, MS | $306,000 | $391,000 |
| Benton County, MS HUD Metro FMR Area | $306,000 | $391,000 |
| Bolivar County, MS | $306,000 | $391,000 |
| Calhoun County, MS | $306,000 | $391,000 |
| Carroll County, MS | $306,000 | $391,000 |
| Chickasaw County, MS | $306,000 | $391,000 |
| Choctaw County, MS | $306,000 | $391,000 |
| Claiborne County, MS | $306,000 | $391,000 |
| Clarke County, MS | $306,000 | $391,000 |
| Clay County, MS | $306,000 | $391,000 |
| Coahoma County, MS | $306,000 | $391,000 |
| Covington County, MS | $306,000 | $391,000 |
| Franklin County, MS | $306,000 | $391,000 |
| George County, MS | $306,000 | $391,000 |
| Greene County, MS | $306,000 | $391,000 |
| Grenada County, MS | $306,000 | $391,000 |
| Gulfport-Biloxi, MS HUD Metro FMR Area | $306,000 | $391,000 |
| Hattiesburg, MS MSA | $306,000 | $391,000 |
| Holmes County, MS | $306,000 | $391,000 |
| Humphreys County, MS | $306,000 | $391,000 |
| Issaquena County, MS | $306,000 | $391,000 |
| Itawamba County, MS | $306,000 | $391,000 |
| Jackson, MS HUD Metro FMR Area | $306,000 | $391,000 |
| Jasper County, MS | $306,000 | $391,000 |
| Jefferson County, MS | $306,000 | $391,000 |
| Jefferson Davis County, MS | $306,000 | $391,000 |
| Jones County, MS | $306,000 | $391,000 |
| Kemper County, MS | $306,000 | $391,000 |
| Lafayette County, MS | $306,000 | $391,000 |
| Lauderdale County, MS | $306,000 | $391,000 |
| Lawrence County, MS | $306,000 | $391,000 |
| Leake County, MS | $306,000 | $391,000 |
| Lee County, MS | $306,000 | $391,000 |
| Leflore County, MS | $306,000 | $391,000 |
| Lincoln County, MS | $306,000 | $391,000 |
| Lowndes County, MS | $306,000 | $391,000 |
| Marion County, MS | $306,000 | $391,000 |
| Marshall County, MS HUD Metro FMR Area | $306,000 | $391,000 |
| Memphis, TN-MS-AR HUD Metro FMR Area | $306,000 | $391,000 |
| Monroe County, MS | $306,000 | $391,000 |
| Montgomery County, MS | $306,000 | $391,000 |
| Neshoba County, MS | $306,000 | $391,000 |
| Newton County, MS | $306,000 | $391,000 |
| Noxubee County, MS | $306,000 | $391,000 |
| Oktibbeha County, MS | $306,000 | $391,000 |
| Panola County, MS | $306,000 | $391,000 |
| Pascagoula, MS HUD Metro FMR Area | $306,000 | $391,000 |
| Pearl River County, MS | $306,000 | $391,000 |
| Pike County, MS | $306,000 | $391,000 |
| Pontotoc County, MS | $306,000 | $391,000 |
| Prentiss County, MS | $306,000 | $391,000 |
| Quitman County, MS | $306,000 | $391,000 |
| Scott County, MS | $306,000 | $391,000 |
| Sharkey County, MS | $306,000 | $391,000 |
| Simpson County, MS HUD Metro FMR Area | $306,000 | $391,000 |
| Smith County, MS | $306,000 | $391,000 |
| Stone County, MS | $306,000 | $391,000 |
| Sunflower County, MS | $306,000 | $391,000 |
| Tallahatchie County, MS | $306,000 | $391,000 |
| Tate County, MS HUD Metro FMR Area | $306,000 | $391,000 |
| Tippah County, MS | $306,000 | $391,000 |
| Tishomingo County, MS | $306,000 | $391,000 |
| Tunica County, MS HUD Metro FMR Area | $306,000 | $391,000 |
| Union County, MS | $306,000 | $391,000 |
| Walthall County, MS | $306,000 | $391,000 |
| Warren County, MS | $306,000 | $391,000 |
| Washington County, MS | $306,000 | $391,000 |
| Wayne County, MS | $306,000 | $391,000 |
| Webster County, MS | $306,000 | $391,000 |
| Wilkinson County, MS | $306,000 | $391,000 |
| Winston County, MS | $306,000 | $391,000 |
| Yalobusha County, MS | $306,000 | $391,000 |
| Yazoo County, MS HUD Metro FMR Area | $306,000 | $391,000 |
