Explore the differences! FHA VS Conventional loan programs 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


  • MiddleWest Mortgage Group LLC
  • 1517 West Haddon Avenue, Suite A, Chicago, IL, 60642
  • MiddleWest Mortgage Group have been helping customers afford the home of their dreams for many years and we love what we do. We’re here to help you every step of the way. Our online application guides you through your mortgage financing and connects you directly to your loan officer.
  • Townstone Financial Inc
  • 329 West 18th Street, Suite 305A, Chicago, IL, 60616
  • Townstone Financial provides customized residential mortgages for purchasing or refinancing homes. Townstone Financial has been making home buying dreams come true for nearly 17 years. We are grateful to every one of our borrowers who have allowed us to grow our lending potential over the last two decades.
  • Lenderment Inc
  • 1500 N Halsted St, Suite 200, Chicago, IL, 60642
  • Founder Dan Jasek started Lenderment with one simple idea: “to fit the mortgage to the buyer, not the buyer to the mortgage”. Most banks offer you one option, usually the same mortgage they push on everyone that makes them the most money. At Lenderment, we know no two situations are the same so we create the perfect loan for what you need.
  • United Home Loans, Inc
  • 1000 N. Milwaukee Avenue, Chicago, IL, 60642
  • "Our mortgage lenders not only average more than ten years in the mortgage industry, but also call Chicagoland home. We live where we lend, so we’re always a phone call or face-to-face chat away. Our knowledge of the local market, ability to offer custom loan solutions, and commitment to personal service."
  • Chicago Financial Services, Inc.
  • 1455 W. Hubbard St. Suite 200, Chicago, IL, 60642
  • Chicago Financial Services, Inc. founded in 1990 The company provides residential financial services to individuals and institutional projects it is recognized as one of the premier residential mortgage banks in Chicago and differentiates itself from other mortgage banks because of its boutique size. All aspects of the residential lending process.
  • A & N MORTGAGE SERVICES, INC.
  • 1945 N. Elston Ave, Chicago, IL, 60642
  • A and N Mortgage Services, Inc.'s mission is to provide you with high quality programs that are tailored to fit your unique situation at some of the most competitive rates in the nation.After receiving your information, A and N Mortgage Services, Inc. will be able to get a complete look at your financial situation to determine.
  • Security State Bank
  • 117 North 4th Street, Leoti, KS, 67861
  • Security State Bank is a full-service community bank located in Scott County, Kansas. On April 24, 1961, Security State Bank of Scott City opened its doors to the public with capital and surplus of $150 thousand dollars. Today the bank’s total assets are over $300 million dollars with total capital in excess of $44 million dollars.
  • Kvikstad Mortgage Solutions Inc
  • 2462 Hampshire Court, Mendota Heights, MN, 55120
  • Kvikstad Mortgage Solutions the company in 2004 to provide a better and more personalized option for my clients. As an independent, small business I have very little overhead, so I am able to pass those savings on to my clients. I do not have to charge the same high fees and rates as the banks and other big companies.
  • Gabriel Financial Group Inc
  • 1171 Northland Drive, Suite 100, Mendota Heights, MN, 55120
  • Gabriel Financial Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Spectra Home Mortgage
  • 750 South Plaza Drive, Suite 319, Mendota Heights, MN, 55120
  • At Spectra Home Mortgage, 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.
  • Northpoint Capital
  • 566 West Lake Street, Suite 220, Chicago, IL, 60661
  • NorthPoint Capital Group is a major commercial mortgage banking group of companies specializing in originating and servicing quality mortgage loans for real estate owners and our institutional lenders. We strive to provide our borrower clients with loans on the most competitive terms structured to meet the requirements of our borrowers and lenders.
  • First Northern Credit Union
  • 230 West Monroe Street, Suite 2850, Chicago, IL, 60606
  • As a financial cooperative, First Northern Credit Union will serve the financial needs and strive to improve the financial well-being of its participating members. To continue growing as a successful community credit union by meeting the needs of our members. First Northern is a not-for-profit organization in northern Illinois,