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First-time home buyer programs in Yazoo City, MS

Quick answer

First-time buyers in Yazoo City, MS can use 3%-down conventional loans (up to the $832,750 Yazoo County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 1 verified city, county or statewide assistance program. On the $93,000 median home, 3% down is about $2,790 and the estimated payment is $875/month at 7.18%.

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

Median household income: $28,722; value-to-income ratio 3.24. Yazoo City ranks 40 by home value and 41 by population among 41 places in our MS dataset.

What does a first-time buyer loan cost on a typical Yazoo City home?

ItemYazoo City
Median home value (Census ACS)$93,000
Mississippi median home value$161,400
Down payment (3%)$2,790
Loan amount$90,210
Estimated monthly payment (PITI + MI)$875
Income needed (28% / 36%)$38,000 / $30,000
Yazoo 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 Yazoo City?

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

The Yazoo City median home value of $93,000 is 42% below the Mississippi median, and within what the county limit supports.

Which down payment assistance programs can Yazoo City buyers use?

First-time buyer loans in nearby cities

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First-time buyer loan FAQs for Yazoo City

On the $93,000 median: 3% conventional ≈ $2,790, 3.5% FHA ≈ $3,255, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Yazoo County become jumbo loans.

At the $93,000 median value (below the Mississippi median of $161,400), the estimated payment of $875/month at 7.18% needs about $38,000 a year under the 28% housing guideline, or $30,000 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.

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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.