FHA VS Conventional loan in Excelsior-Springs, Clay County, Missouri

In 2025, the conventional loan limit applicable in Excelsior-Springs, located within Clay county, MO, is $647,200. At the same time, the FHA cap for single-family homes reaches $431,250.

Employ the Lendersa® Conventional loan calculator for a comparative analysis of today's best Conventional versus FHA and USDA rates, assessing the financial requirements in terms of income, credit, reserves, and necessary documents for qualification. This comprehensive mortgage calculator allows you to view and contrast Conforming Conventional loans alongside USDA, FHA, and VA options within MO, aiding in the choice of an appropriate financial program precisely suited to your needs.

Explore and compare loan offers from a selection of 100 lenders

Loan limits and down payment details for 2025 in Excelsior-Springs, in Clay, MO

Type of Loan Maximum Loan Amount Required Down Payment
Conventional Conforming $647,200 3%
USDA $311,800 0%
FHA $431,250 3.5%

This comparison table is relevant to these zip codes: 64024

Explore Conventional and FHA Loan Options in Excelsior-Springs, MO

Our objective at Lendersa® is to ensure you swiftly obtain the most suitable Conventional, USDA, or FHA loan without any fuss. Start with one of the three pathways below to discover well-suited lenders and available loan programs.

Lendersa USDA loan request and matching results


  • AMCI HOMESLLC
  • 6801 Lake Worth Road, Suite 109, Lake Worth, FL, 33467
  • AMCI HOMES, LLC is the key to your FINANCING. You need a Mortgage AMCI HOMES has a solution for you. AMCI HOMES.LLC was incorporated on 31 Aug 2017 as Florida Limited Liability Company type, registered at 6801 LAKE WORTH .RD SUITE 109 LAKE WORTH, FL 33467. Amci Homes.llc has 5 total employees across all of its locations.
  • Goldlynk Charter Llc
  • 8461 Lake Worth Road, Lake Worth, FL, 33467
  • When buying a home, there's none more important than the person you choose to represent you. We'll explain the process of buying your new home, and guide you through all the ups and downs and get closed on time.REGINALD WILLIAMS Owner of GOLDLYNK CHARTER LLC. If you are ready to start your buying or selling process give me a call at 561-667-8900.
  • Brian Springmann Home Loans LLC
  • 69 Quarry Circle, Milford, NH, 03055
  • As an independent mortgage broker, Brian has served clients in communities throughout the region for three decades as a trusted residential mortgage professional and advisor. Brian's 40 years of experience in real estate and financial services focused on building a business through personal referrals.
  • PHD Financial
  • PO Box 1012, Palm Beach, FL, 33480
  • PHD Financial strives to deliver impressive results for businesses, with a commitment to manage our clients’ matters as if they were our own. We spend whatever time and resources necessary to cultivate relationships with numerous contacts, networks, associations and lenders to provide the most beneficial outcomes for clients.
  • Parada Mortgage LLC
  • 2875 South Ocean Blvd, Suite 200-23, Palm Beach, FL, 33480
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • ROSS MORTGAGE COMPANY, INC.
  • 115 Flanders Road, Suite 120, Westborough, MA, 01581
  • Ross Mortgage offers a variety of mortgage loan products, and the company is a Direct Endorsed lender for the Federal Housing Administration and the Veteran’s Administration. As an approved lender, Ross Mortgage has the ability to originate, underwrite and close these government guaranteed mortgage loans in all the states where it holds a license.
  • Kairos Movements Mortgage Services LLC
  • 4000 S 57th Avenue #102, Greenacres, FL, 33463
  • Kairos Movements Mortgage Services, LLC is a full service mortgage brokerage specializing in Purchase and Refinancing. We tailor the mortgage experience to your needs and strive to deliver the best scenarios for your particular situations. We believe that no 2 buyers are the same and attention is key.
  • JSS Funding Corp
  • 1012 South Dixie Highway, Lake Worth, FL, 33460
  • We are motivated to assist you through the process of obtaining your loan.Whether you are purchasing a home or refinancing your existing home loan, our highly experienced professionals will give you the personal attention you deserve.We are committed to shop through many lenders for the lowest possible rates & best program that fits your situation.
  • Ulysse Mortgage LLC
  • 723 South Federal Highway, Lake Worth, FL, 33460
  • At Ulysse Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Franklin Savings Bank
  • 387 Central Street, Franklin, NH, 03235
  • Franklin Savings Bank is committed to fulfilling the financial services needs of the families and businesses in New Hampshire. We consistently deliver superior quality service that exceeds the expectations of our customers. As an community savings bank, we acknowledge the importance of improving our customers'​ financial position.
  • Atlantic Mortgage & Finance Corporation
  • 94 Main Street, Wakefield, RI, 02879
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Main Street Bank
  • 81 Granger Boulevard, Marlborough, MA, 01752
  • Main Street Bank is a locally run, independent mutual savings institution serving the Metrowest and northern Middlesex communities of Massachusetts. We believe in working together, so we can do more. We are united under a culture that strives every day to contribute to our communities by providing customer-focused, innovative products