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

In 2025, Convetional loan limit in Excelsior-Springs, county of Clay, MO is $647,200 while FHA limit is $431,250 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in MO is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Excelsior-Springs, county of Clay, MO

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $311,800 0%
FHA $431,250 3.5%

The comparison table applies to zip codes: 64024

Conventional and FHA loan options in Excelsior-Springs, MO

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Channel Mortgage
  • 55-25 69th Street, 1st Floor, Maspeth, NY, 11378
  • Channel Mortgage is a dynamic mortgage company, dedicated to helping customers connect the dots on their path to home ownership. The Company’s leadership has over 50 years combined experience in the mortgage business. Channel Mortgage is a 100 percent referral based business. We do not expend resources on slick advertising and other misleading gimm
  • SUMA Federal Credit Union
  • 125 Corporate Boulevard, Yonkers, NY, 10701
  • SUMA (Yonkers) Federal Credit Union is a full service member owned financial institution with assets in excess of $400, 000, 000 and over 7, 000 members. We have been serving our members in Yonkers, NY, Spring Valley, NY, Stamford, CT, New Haven, CT and vicinities for over 55 years.
  • Italo-American Federal Credit Union
  • 66-52 Myrtle Avenue, Ridgewood, NY, 11385
  • Italo-American Federal Credit Union was started by a group of Italian-Americans in 1935, to serve the needs of the Italian immigrant population of New York City, at a time when financial assistance was not available to them. Unlike banks, Credit Unions are owned and run by its members. There are no outside stockholders.
  • Ridgewood Savings Bank
  • 7102 Forest Ave, Ridgewood, NY, 11385
  • Whether you are looking to save, invest, borrow or anything in between, we offer a wide choice of financial services to meet your every need including Savings and Checking Accounts, Mortgages and Commercial Loans, Retirement Accounts, Equity Loans and Lines of Credit, plus the convenience of Online Banking.
  • First National Bank of Scotia
  • 201 Mohawk Avenue, Scotia, NY, 12302
  • At 1st National Bank of Scotia, we rely on our decades of experience both inside and outside the banking industry to help provide our loyal customers with the products and services to fit their needs. Our Board of Directors truly care about providing for our customers and our communities today, tomorrow, and well into the future.
  • Commercial Capital Advisors Inc
  • 6344 Saunders St, NY 11374, Rego Park, NY, 11374
  • At Commercial Capital Advisors Inc, we treat each customer as an individual, not a number. We understand that real estate ventures require quick and flexible financing solutions. With years of experience and a commitment to excellence, we have become a trusted partner for those seeking efficient and personalized lending services. Loan Options we
  • Lifestyle Funding Solutions LLC
  • 95-20 63 Road, Suite P, Rego Park, NY, 11374
  • At Lifestyle Funding Solutions 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.
  • PhoneOps Funding, LLC
  • 956 N Cocoa Blvd, Suite 1101, Cocoa, FL, 32922
  • PhoneOps is a Mortgage Company that provides financing for individuals that want to buy a home or investment property as well as individuals that want to refinance a home or investment property. We have many types of programs available including 100% Financing and we go down to a 500 FICO score for some of our program.
  • Ponce Bank
  • 2244 Westchester Avenue, Bronx, NY, 10462
  • Our Bank has earned a reputation for serving the needs of our communities by emphasizing the importance of personal banking and by promoting local economic development. We employ a highly qualified and professional staff and offer a wide variety of products and services designed to meet the needs our customers
  • Go Home Mortgage Inc
  • 1513 Castle Hill Avenue, Bronx, NY, 10462
  • Go Home Mortgage Inc, is a registered Mortgage Broker with the NYS Dept of Financial Services. All loans are arranged thru third party lenders. Our services cover the entire New York State. Go Home Mortgage Inc operates from one prime location in the Bronx since February 2006. We are a full service mortgage brokerage company.
  • TEG Federal Credit Union
  • 1 Commerce Street, Poughkeepsie, NY, 12603
  • TEG Federal Credit Union is a local, member-owned, not-for-profit, full-service community financial institution open to all those who live, work, worship or attend school in Dutchess, Orange, Ulster, Sullivan, Putnam, Rockland and Westchester County in New York. Since 1969, TEG has been a steady source of financial services to its members.
  • Hard Money Lenders NY
  • 43-13 National St, Corona, NY, 11368
  • "We at Hard Money Lenders NY have been helping investors for 16 years to obtain quick financing on non-bankable properties. We provide loans to all of New York City boroughs and all of Long Island. We’re able to help people with either good or bad credit on a case by case basis.We’re quick, we’re efficient, and we always keep our word."