FHA Loan Limits in Lafayette County, Mississippi (2026)
From Lafayette County, FHA buyers in Lafayette County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Lafayette County to the edges of Lafayette County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Hinds and Harrison Counties.
What can you buy with FHA in Lafayette County?
An FHA buyer near Lafayette County faces an estimated $206,000 median, a $7,210 down payment, and — after Mississippi's 0.79% property tax — a monthly cost around $1,589. That suits household income of roughly $62,000, above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Lafayette County
Whether you are buying in Lafayette County or a smaller Lafayette County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $148,000 | $5,180 | $1,174 |
| Local median — $206,000 | $7,210 | $1,589 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Lafayette County too — get notified.
First-time buyers make up much of FHA activity in Lafayette County and across Lafayette County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,210 needed on a median Lafayette County home.
Multi-unit FHA limits in Lafayette County
Investors and house-hackers in Lafayette County and across Lafayette County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Lafayette County for 2026?
- In Lafayette County (Lafayette County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Lafayette County with FHA?
- For a median-priced ($206,000) Lafayette County home, plan on income around $62,000 at a 31% housing ratio — about $1,589/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lafayette County?
- 3.5% with a 580+ score — roughly $7,210 on a $206,000 Lafayette County-area home. Gift funds are allowed.
- Is Lafayette County a high-cost FHA area?
- No — Lafayette County uses the $541,287 national floor for one unit.