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Down payment assistance income limits in Mississippi

31 down payment assistance programs in Mississippi publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Mississippi county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Mississippi
CountyPublished4-person median
Adams2026$61,600
Alcorn2026$70,200
Amite2026$46,600
Attala2026$70,700
Benton2026$63,000
Bolivar2026$54,100
Calhoun2026$66,300
Carroll2026$81,400
Chickasaw2026$56,200
Choctaw2026$66,000
Claiborne2026$39,900
Clarke2026$61,100
Clay2026$60,700
Coahoma2026$49,300
Copiah2026$91,400
Covington2026$63,000
Desoto2026$92,700
Forrest2026$79,800
Franklin2026$57,300
George2026$81,400
Greene2026$72,400
Grenada2026$69,400
Hancock2026$83,100
Harrison2026$83,100
Hinds2026$91,400
Holmes2026$44,800
Humphreys2026$42,200
Issaquena2026$67,200
Itawamba2026$84,200
Jackson2026$86,800
Jasper2026$66,400
Jefferson2026$47,600
Jefferson Davis2026$57,300
Jones2026$72,300
Kemper2026$60,900
Lafayette2026$98,100
Lamar2026$79,800
Lauderdale2026$89,300
Lawrence2026$57,800
Leake2026$65,000
Lee2026$75,700
Leflore2026$47,600
Lincoln2026$71,700
Lowndes2026$75,500
Madison2026$91,400
Marion2026$55,700
Marshall2026$69,300
Monroe2026$69,400
Montgomery2026$58,700
Neshoba2026$67,000
Newton2026$70,100
Noxubee2026$48,100
Oktibbeha2026$84,700
Panola2026$69,100
Pearl River2026$78,000
Perry2026$79,800
Pike2026$52,600
Pontotoc2026$71,900
Prentiss2026$71,000
Quitman2026$52,900
Rankin2026$91,400
Scott2026$59,000
Sharkey2026$50,100
Simpson2026$72,000
Smith2026$75,900
Stone2026$84,800
Sunflower2026$52,800
Tallahatchie2026$54,900
Tate2026$83,000
Tippah2026$66,000
Tishomingo2026$78,600
Tunica2026$45,500
Union2026$75,400
Walthall2026$68,600
Warren2026$84,700
Washington2026$56,300
Wayne2026$56,600
Webster2026$77,600
Wilkinson2026$52,800
Winston2026$68,300
Yalobusha2026$67,500
Yazoo2026$60,100

Published limits by program

Published income limits and purchase price caps by program in Mississippi
ProgramIncome limitPrice cap
City of Biloxi HOME Program Homebuyer AssistanceBiloxi · Harrison80% of area median incomeHousehold income must be at or below 80% of Area Median Income (AMI). Example cited in guidelines: household of four must have income less than $43,200 (older figure); 2024 HUD HOME Low Income limit for Gulfport-Biloxi MSA is $60,800 for 4-person household.—
City of Hattiesburg HOME Downpayment Assistance ProgramHattiesburg · Forrest80% of area median incomeHouseholds must have incomes at or below 80% of the area median household income, adjusted for household size, per annual HUD determination. 2022 brochure showed 4-person limit of $50,250; 2024 HUD HOME Low Income limit for Hattiesburg MSA is $58,500 for 4-person.—
City of Jackson Homebuyer Assistance ProgramJackson · Hinds80% of area median incomeAnnual household income at or below 80% of area median income (AMI).$156,000
City of Vicksburg Down Payment Assistance for First Time HomebuyersVicksburg · Warren80% of area median incomeFirst-time homebuyers with low to moderate income not to exceed Area Median Income. 2024 HUD HOME Low Income limit for Warren County, MS is $58,300 for 4-person household.—
Columbus-Lowndes Habitat for Humanity Homeownership ProgramColumbus · Lowndes CountySee programMust demonstrate need and ability to pay affordable mortgage; specific AMI % not confirmed on primary website—
Easy8Statewide · Statewide$136,640MRB income limits per IRS Section 143. Non-targeted: $78,100 (1-2 person) up to higher amounts for larger households. Targeted: $90,000 (1-2 person) / $136,640 (3+ person). Verify by county and household size at MHC's income limits page.$380,640
FHLB Dallas Homebuyer Equity Leverage Partnership (HELP)Statewide · Statewide80% of area median incomeAt or below 80% of HUD area median income. Varies by county and household size. See FHLB Dallas Median Incomes table.—
FHLB Dallas Housing Assistance for Veterans (HAVEN)Statewide165% of area median incomeHousehold income must be 165% or less of area median income (AMI). Disbursed first-come, first-served through FHLB Dallas member institutions.—
Habitat for Humanity Mississippi Capital Area Homeownership ProgramJackson · Multi-CountySee programMonthly income range by household size (at time of research): 1 person: $1,600-$4,266; 2 persons: $1,830-$4,753; 3 persons: $2,058-$5,483; 4 persons: $2,283-$6,091; 5 persons: $2,465-$6,579; 6 persons: $2,650-$7,066; 7 persons: $2,835-$7,554; 8 persons: $3,016-$8,041. Minimum income must support all homeownership expenses.—
Habitat for Humanity of Lauderdale County Homeownership ProgramMeridian · Lauderdale CountySee programMust demonstrate level of need and ability to pay affordable mortgage; specific AMI % not confirmed — contact affiliate directly—
Habitat for Humanity of the Mississippi Gulf Coast Homeownership ProgramGulfport · Multi-County120% of area median incomeHousehold income up to 120% of area median income (AMI) for the property's location (effective May 18, 2026, per FY26 HUD income limits). Some partner DPA programs may have a lower 80% AMI cap. Minimum income must be sufficient to support all homeownership expenses.—
Habitat for Humanity of the Pine Belt Homeownership ProgramHattiesburg · Forrest County60% of area median income30%–60% of HUD Area Median Income; both a floor and ceiling apply—
Hernando DeSoto Habitat for Humanity Homeownership ProgramHernando · DeSoto CountySee programMust demonstrate level of need; specific AMI % not confirmed on primary website—
Home4All80% of area median incomeHousehold income must be below 80% of area median income, adjusted for family size.—
Homebuyer Assistance ProgramJackson · Hinds80% of area median income80% of HUD area median income (Jackson MSA) by household size. Per seed list and HUD HOME limits: approximately $46,800 (1-person) to $88,200 (8-person) for Jackson MSA. Verify current limits with OHCD.$156,000
HOPE Credit Union Affordable Housing Program120% of area median incomeNo income limits in designated target areas; up to 120% of area median income (AMI) allowed in non-target areas.$425,000
Housing Assistance for Teachers (HAT)MultipleSee programNo income limits when used stand-alone. Income limits per the paired MHC mortgage product (Smart7, Easy8, Trusty10, DPA 14) when stacked.—
Housing Authority of Jackson County HCV Homeownership ProgramPascagoula · Jackson CountySee programMust have sufficient minimum income and employment; income eligibility established via existing HCV enrollment. Exceptions apply for elderly/disability households.—
HUD Section 184 Indian Home Loan Guarantee Program — MississippiStatewideSee programNo income limit specified; eligibility based on tribal membership and creditworthiness. Must demonstrate ability to repay.—
Jackson Housing Authority HCV Homeownership ProgramJackson · Hinds CountySee programMust be current HCV participant; income eligibility already established via voucher program (typically 50% AMI or below)—
JustRateSee programMust be within income guidelines for the county in which the home is purchased (MRB program limits).—
Mississippi Regional Housing Authority IV HCV Homeownership ProgramColumbus · Lowndes CountySee programMinimum gross income of $14,500 required; elderly/disabled heads of household exempt from minimum income requirement; income eligibility already established via HCV enrollment—
Mortgage Credit Certificate (MCC) ProgramSee program$332,000
Northeast Mississippi Habitat for Humanity Homeownership ProgramTupelo · Lee County80% of area median income55%–80% of Area Median Income; monthly gross income approximately $2,700–$6,500 depending on household size—
RCLF Grow Homeownership MississippiForrest, Harrison, Hinds, Lee100% of area median incomePrimary tier: household income at or below 80% AMI. Expanded tier: 81–100% AMI for African American households or properties in a qualified census tract. RCLF internally calculates household income and advises the lender of applicant eligibility.—
Smart7Statewide · Statewide$132,7702026 MHC limits (effective for reservations on/after 5/18/2026): single statewide tier — household annual income limit $137,870; acquisition (purchase price) limit $413,610. Reservations taken before 5/18/2026 follow 2025 limits ($132,770 income / $349,525 acquisition).$398,310
Starkville Area Habitat for Humanity Homeownership ProgramStarkville · Oktibbeha CountySee programIncome must demonstrate need and ability to pay affordable mortgage; specific AMI % not published on primary website—
Trusty 10 Plus 2Statewide · StatewideSee programHousehold income must be within MHC income limits for the county of purchase (county-specific, updated annually; 2026 limits effective for reservations on/after 2026-05-18).—
Trusty10Statewide · Statewide$136,640MRB income limits per IRS Section 143. Non-targeted: $78,100 (1-2 person) up to higher amounts for larger households. Targeted: $90,000 (1-2 person) / $136,640 (3+ person). Verify by county and household size at MHC's income limits page.$380,640
USDA Section 502 Guaranteed Loan — Mississippi115% of area median incomeHousehold income cannot exceed 115% of area median household income. Base 2026 standard limit: $119,850 for 1–4 person households; $158,250 for 5–8 person households in most Mississippi counties. Limits vary by county. Verify at eligibility.sc.egov.usda.gov.—
USDA Single Family Housing Direct Home Loans (Section 502 Direct) — MississippiStatewide80% of area median incomeApplicants must have adjusted income at or below the applicable low-income limit (generally up to 80% AMI) for the area where they wish to purchase. Very low-income borrowers (up to 50% AMI) receive maximum payment subsidy reducing effective rate to as low as 1%. Income limits vary by county; see USDA eligibility site.—

Questions, answered

What are the income limits for down payment assistance in Mississippi?

31 down payment assistance programs in Mississippi publish an income limit, a purchase price cap, or both. 15 express the limit as a percentage of the area median income for the county where the home is, and 8 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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