Explore the differences! FHA VS Conventional loan programs in De-Soto, Jefferson County, Missouri

For 2026 in De-Soto, situated in the county of Jefferson, MO, the Conventional loan cap stands at $647,200, and for a single-family home, the FHA limit is $420,680.

Utilize the Lendersa® Conventional loan calculator to investigate current rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and documentation for eligibility. This advanced calculator juxtaposes Conforming Conventional, USDA, FHA, and VA loans, enabling you to pick the right option for your financial circumstances in MO.

Evaluate loan proposals from 100 different lenders

Details on loan limits and down payment requirements for 2026 in De-Soto, county of Jefferson, MO

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

This table pertains to the following zip codes: 63020

Options for Conventional and FHA loans in De-Soto, MO

Lendersa® is committed to rapidly providing you the ideal Conventional, USDA, or FHA loan with minimal inconvenience. Begin your process by choosing one of three routes that match you with suitable lenders and loan programs.

Lendersa's USDA loan request and matching outcomes


  • CONTINENTAL MORTGAGE AND INVESTMENT CORPORATION
  • 1005 North Glebe Road, Suite 100, Arlington, VA, 22201
  • Continental Mortgage has been exceeding our clients’ expectations for all mortgage and financial needs, helping our clients many times over. In fact, much of our business comes directly from repeat clients and their referrals.we focus on building client relationships with an emphasis on customer service rather than racing through the loan process.

  • FOOTE CAPITAL MORTGAGE COMPANY
  • 17 East High Street, Suite 102, Carlisle, PA, 17013
  • Headquartered in historic downtown Carlisle, Pennsylvania, Foote Capital Mortgage Company is a residential mortgage lender founded in 2006 by veteran bankers Shaun R. Foote and Rebecca Howell Foote. As a direct lender, Foote Capital has the distinct advantage of handling loan processing, underwriting, closing and funding its clients

  • Professional Grade Mortgage
  • 18120 NW 266th St., High Springs, FL, 32643
  • At Professional Grade Mortgage, we offer our clients access to HUNDREDS of loan programs from over 25 of the Nation's Top Lenders, including Quicken Wholesale, UWM, Caliber, Loan Depot, Freedom Mortgage, & many more. This allows us to service all of our clients needs with Conventional, VA, FHA USDA & Non Prime loans, covering all occupancy types

  • Signal Financial Federal Credit Union
  • 3015 University Blvd. W, Kensington, MD, 20895
  • Signal Financial Federal Credit Union is a full-service financial institution headquartered in Kensington, Maryland. Established in 1947, Signal now operates seven full-service branch offices in the District of Columbia, Maryland, and Virginia. Membership is open to select employer groups in the area, as well as individuals who live, work.

  • Congressional Bank
  • 4445 Willard Ave, Suite 1000, Chevy Chase, MD, 20815
  • Congressional Bank also focuses on being a Certified Green Business in Montgomery County. Through our efforts we became the first bank to earn the Montgomery County Green Business Certification, and we are partners with Bethesda Green in their efforts to promote sustainability and be a “green” role model.

  • First Washington Mortgage, LLC
  • 2233 Wisconsin Ave NW, Suite 232, Washington, DC, 20007
  • First Washington Mortgage is a premier mortgage lender serving the Maryland, Washington DC, Virginia, New Jersey, Pennsylvania, Delaware and Florida areas. We offer mortgage loans for individuals with all types of credit, providing service for all residential real estate related purposes.

  • Cornerstone First Financial
  • 2300 Wisconsin Avenue NW, Suite 100B, Washington, DC, 20007
  • Cornerstone First Financial is a leading mortgage broker and lender in the Washington D.C. Metropolitan Area. Founded by Mark Livingstone in 2001, this Christian owned company provides residential mortgage solutions to individuals and families who want to refinance their existing mortgage or purchase a new home or investment property.

  • CBC National Bank
  • 1891 S 14th St, Fernandina Beach, FL, 32034
  • CBC Mortgage at First Federal Bank, our focus is this: to put our customers first. Since this division opened its doors in 1999, our commitment has always been to provide nothing less than an exceptional experience in everything we do. It is because of that unwavering dedication to service and our customers.