USDA Loan Lenders in Mississippi 2026: Top 7 Ranked
Robert Johnson
Mississippi Rural Housing Specialist | USDA Expert | 15+ Years
January 23, 2026
Looking for USDA loan lenders in Mississippi? Mississippi has 800+ USDA-approved lenders, but only 7 consistently deliver the best rates, fastest approvals, and rural MS expertise.
5.85%
Average USDA Rate
0%
Down Payment
99%
MS Eligible Areas
$0
Closing Costs*
🏆 Top 7 USDA Lenders in Mississippi 2026
Guaranteed Rate - Best USDA Lender Mississippi
1,600+ MS USDA loans
Why #1:
- 💰 Lowest USDA rates: 5.75%-5.95% APR
- ⚡ Close in 33 days average
- 🏆 #1 USDA lender in MS (2025)
- 📍 Knows all 82 MS counties
- 🎯 $0 closing costs option
Best For:
MS rural buyers who want fastest approval + lowest rates
📍 USDA Eligible Areas in Mississippi 2026
🎉 99% of Mississippi is USDA-eligible!
Mississippi has the HIGHEST USDA eligibility rate in America. Almost every area outside Jackson qualifies.
✅ USDA-Eligible Areas (99%)
- • Jackson suburbs: Madison, Ridgeland, Brandon, Pearl
- • Gulfport suburbs: Biloxi, Ocean Springs, D'Iberville
- • Hattiesburg suburbs: Petal, Oak Grove
- • Tupelo suburbs: Saltillo, Verona
- • All rural counties: 81 of 82 MS counties
❌ NOT USDA-Eligible (1%)
- • Jackson: Downtown core only
Note: Even 10 minutes outside Jackson downtown = USDA-eligible!
✅ Mississippi USDA Loan Requirements 2026
Income Requirements
1-4 Person Household:
Max $103,500/year (most MS counties)
5-8 Person Household:
Max $136,600/year (most MS counties)
Other Requirements
Credit Score:
640+ recommended (no USDA minimum)
Down Payment:
0% required (100% financing)
DTI Ratio:
41% max (29% front-end)
❓ FAQ: USDA Loans Mississippi 2026
Can I get a USDA loan near Jackson or Gulfport?
YES! Most Jackson and Gulfport suburbs are USDA-eligible.
Jackson USDA-Eligible Suburbs:
- Madison, Ridgeland, Brandon (10-15 min from downtown)
- Pearl, Clinton, Flowood (10-20 min from downtown)
Gulfport USDA-Eligible Suburbs:
- Biloxi, Ocean Springs, D'Iberville (5-15 min from Gulfport)
What is the income limit for USDA loans in Mississippi?
Most MS Counties:
- 1-4 person household: $103,500/year
- 5-8 person household: $136,600/year
Note: Income includes ALL household members over 18, not just borrowers.