FHA VS Conventional loan programs in 2025 for Cape-Girardeau, Cape Girardeau County, Missouri

For 2025 in Cape-Girardeau, located in Cape Girardeau County, MO, the limit for a conventional loan is $647,200, while the FHA cap is $420,680 for individual homes.

The Lendersa® Conventional loan calculator allows you to compare today's best rates for Conventional, FHA, and USDA loans, identifying necessary income, credit, reserves, and paperwork. This advanced tool efficiently compares Conforming Conventional loans, USDA, FHA, and VA side-by-side to aid in selecting the most suitable program in MO for your distinct financial situation.

Compare loan offerings from 100 lenders

2025 loan limits, and downpayment requirements for Cape-Girardeau in Cape Girardeau, MO

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table pertains to the zip codes: 63703, 63701

Exploring Conventional and FHA loan possibilities in Cape-Girardeau, MO

Lendersa® strives to quickly and effortlessly find you the finest Conventional, USDA, or FHA loan options. Begin with any of these three pathways to discover matching lenders and loan plans.

Lendersa USDA loan request and matching results


  • Midwest BankCentre
  • 2191 Lemay Ferry Road, St. Louis, MO, 63125
  • We have been a mainstay of St. Louis community banking since 1906. Currently, we rank among St. Louis’ largest locally owned banks with assets of about $1.9 billion and deposits of $1.4 billion. We provide integrated financial services with expertise in commercial, retail and digital banking; business treasury management.
  • Assured Mortgage service
  • 9521 S. Broadway, Lemay, MO, 63125
  • At AssuredMTGS.com, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. We are committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available.
  • Members 1st Credit Union
  • 4702 Mattis Road, Saint Louis, MO, 63128
  • Members 1st Credit Union was chartered in 1951 as a member-owned, not-for-profit financial cooperative with staff and management committed to serving members' financial needs. All members share in the net profits of the credit union by receiving dividends on their savings. These savings, in turn, are pooled to make low-cost loans to fellow members.
  • The First National Bank of Carmi
  • 201 E Main St, Carmi, IL, 62821
  • First Bank, an entity of Southern Illinois Bancorp, Inc. headquartered in Carmi, Illinois, has been serving businesses and families in Southeast Illinois and Southwest Indiana since 1893. We represent a return to the old-fashioned way of banking, where the staff knew everyone by name and treated you like a person instead of a number.
  • Bank of Cadiz and Trust Company Cadiz
  • 79 Main Street, Cadiz, KY, 42211
  • The Bank of Cadiz was chartered April 22, 1970 and opened for business on August 7, 1970 in a temporary location at Main and Brown Streets in Cadiz, Trigg County, Kentucky. Some 200 shareholders invested in the bank after being organized by George Bleidt, William E. Fuller, John O. Hill, T. Lacy Jones, Vance Leneave,
  • Bank of Halls
  • 101 W. Main St., Halls, TN, 38040
  • At Bank of Halls, our highest priority is the health of our customers, employees, and communities. While we know there are rising concerns surrounding COVID-19, we are monitoring the situation closely with local healthcare experts, the Centers for Disease Control and Prevention (“CDC”), World Health Organization (“WHO”), and Tennessee Bankers.
  • Alliance Credit Union
  • 1280 S Highway Dr, Fenton, MO, 63026
  • Alliance Credit Union is your local, not-for-profit financial cooperative. Originally chartered in 1948 to serve the financial interests of Emerson Electric Co. employees, today’s Alliance Credit Union serves communities throughout Greater St. Louis. Our not-for-profit status means we can provide you lower loan rates
  • St Louis Mortgage Consultants
  • 1799 Smizer Station Road, Fenton, MO, 63026
  • At St. Louis Mortgage Consultants our core philosophy is to develop and maintain a lifetime relationship with all of our clients. With St. Louis Mortgage Consultants, you will get a local representative that has your best interest in mind. Our goal on a daily basis, is to provide the most efficient and competitive mortgage loan products available.
  • CapitalBull Mortgage
  • 558 Gravois Road, Suite 203, Fenton, MO, 63026
  • CapitalBull LLC was founded January 2, 2009 by Chad Atkins in order to create a mortgage company that didn’t use big banks and was a better solution. The #NoBankBull motto was born, now you have someone to fight the big banks for you and get you the best mortgage out there. CapitalBull only uses wholesale lenders and finds the best rates.
  • Missouri Mortgage Clearing House
  • 697 Green Forest Drive, Fenton, MO, 63026
  • The Missouri Mortgage Clearing House team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area.The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
  • Logan Finance Corporation
  • 520 Chickasawba Street, Blytheville, AR, 72315
  • LOGAN FINANCE CORP is Industry Leading Investor For Correspondent Lenders.70 Years Ago Max Logan Founded Logan Real Estate For The Purpose Of Helping Young Families & Military Men Returning From World War II Achieve The Dream Of Owning A Home.Realizing The Need For High Quality, Low Cost Homes Logan Began Blytheville's First Housing Subdivision.
  • Together Credit Union
  • 423 Lynch Street, Saint Louis, MO, 63118
  • Together Credit Union (formerly Anheuser-Busch Employees' Credit Union and affiliates, American Eagle Credit Union and Purina Credit Union) provides financial services and guidance to help over 133, 000 members nationwide achieve their best life.We are a $1.98 billion asset, full-service financial institution with 30 branches across the nation.