Skip to content
Purchase Mortgage Loan
Get Pre-Approved

First-time home buyer programs in Moss Point, MS

Quick answer

First-time buyers in Moss Point, MS can use 3%-down conventional loans (up to the $832,750 Jackson County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 1 verified city, county or statewide assistance program. On the $107,700 median home, 3% down is about $3,231 and the estimated payment is $986/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $46,684; value-to-income ratio 2.31. Moss Point ranks 35 by home value and 34 by population among 41 places in our MS dataset.

What does a first-time buyer loan cost on a typical Moss Point home?

ItemMoss Point
Median home value (Census ACS)$107,700
Mississippi median home value$161,400
Down payment (3%)$3,231
Loan amount$104,469
Estimated monthly payment (PITI + MI)$986
Income needed (28% / 36%)$43,000 / $33,000
Jackson County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Mississippi's 0.74% effective property tax rate (Census ACS), $2,029/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Moss Point?

Moss Point is in Jackson County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Moss Point median home value of $107,700 is 33% below the Mississippi median, and within what the county limit supports.

Which down payment assistance programs can Moss Point buyers use?

First-time buyer loans in nearby cities

PascagoulaGautierOcean SpringsD'IbervilleBiloxiGulfport

First-time buyer loan FAQs for Moss Point

On the $107,700 median: 3% conventional ≈ $3,231, 3.5% FHA ≈ $3,770, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Jackson County become jumbo loans.

At the $107,700 median value (below the Mississippi median of $161,400), the estimated payment of $986/month at 7.18% needs about $43,000 a year under the 28% housing guideline, or $33,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with First-time buyer lenders in Moss Point

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.