FHA VS Conventional loan programs in Grain-Valley, Jackson County, Missouri

In 2025, the conventional loan limit in Grain-Valley, situated in Jackson county, MO, is set at $647,200. In contrast, the FHA limit for a single-family home stands at $431,250.

By using Lendersa®'s Conventional loan calculator, you can compare today's top rates across Conventional, FHA, and USDA loans. It helps in identifying the necessary income, credit, reserves, and documentation needed for loan qualification. Our comprehensive mortgage calculator presents Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding you to choose the most suitable program in MO that fits your particular financial requirements.

Explore competitive loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Grain-Valley, Jackson, MO

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

This comparative table is applicable for zip codes: 64029

Options for Conventional and FHA Loans in Grain-Valley, MO

With Lendersa®, the goal is to swiftly get you the optimal Conventional, USDA, or FHA loan without unnecessary hassle. Start with any of these three pathways to connect you with lenders and the most appropriate programs available for your circumstances.

Illustration of Lendersa’s USDA loan request and matching outcomes


  • Universal Mortgage Partners Inc
  • 17 West 220 22nd Street, Suite 250A, Oakbrook Terrace, IL, 60181
  • 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.
  • Peoples Home Equity, Inc.
  • 1801 S Meyers Rd, Suite 500, Oakbrook Terrace, IL, 60181
  • The Peoples Home Equity Inc Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Illinois. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan.
  • Constructive Capital
  • 1801 S. Meyers, Suite 400, Oakbrook Terrace, IL, 60181
  • At Constructive, our mission is to help the residential real estate investor by providing an easy process, competitive pricing, and expansive programs to meet all of their financing needs. Whether it’s fix to flip or buy to hold, we are committed to providing the right solutions for our clients.
  • Private Lending Group
  • 18W140 Butterfield Rd., Villa Park, IL, 60181
  • We are income or credit driven for our loans. These loans are perfect for investment projects or cash out on free and clear properties. Most loans close in 7-14 days. All loans will be considered, and are based on EQUITY, exit strategy, value, and ability to demonstrate repayment of the loan.
  • First Community Bank and Trust
  • 1111 Dixie Highway, Beecher, IL, 60401
  • First Community Bank and Trust is a privately owned bank. Established in 1916 First Community Bank and Trust has been serving Beecher, IL, Peotone, IL and the surrounding communities for over 100 years. Our commitment to providing the best banking products and services is matched only by our outstanding customer service.
  • Mississippi Land Bank
  • 5509 Hwy 51, North Senatobia, MS, 38668
  • For over 100 years, Mississippi Land Bank has been one of the premier lenders for land in the northern 32 counties of Mississippi. From a homesite with a few acres to an agriculture or hunting property with a few thousand acres – we offer long-term financing for land purchases and refinancing.
  • Sycamore Bank
  • 301 East Main, Senatobia, MS, 38668
  • It all started in 1900, when a group of 35 local businessmen and farmers established Senatobia Bank as a home owned, community bank dedicated to providing banking services in a friendly and effective manner. We have stayed a community bank throughout all these years; even today, most of the shareholders of our holding company.
  • Rasmussen Mortgage Inc.
  • 113 South Main Street, Suite 201, Lodi, WI, 53555
  • Rasmussen Mortgage is a local mortgage brokerage. I have over 16 years experience in the mortgage industry. If you have not looked into what pricing a broker offers you are spending too much with the banks and credit unions. I focus on finding you the best mortgage for your wants and needs while maintaining personalized customer service.
  • First Secure Bank and Trust Co.
  • 10360 South Roberts Road, Palos Hills, IL, 60465
  • First Secure Bank and Trust was founded in Palos Hills, Illinois in 1977 to serve the financial needs of our friends and neighbors. We are still in the neighborhood and continuing with that mission. We are the only “true” locally owned bank in the area. We care about the community because we live here, too.
  • Summit Credit Union
  • 1709 Landmark Dr, Cottage Grove, WI, 53527
  • Summit, we’re all about helping you turn wishing, waiting and wondering into planning, doing and experiencing. We offer the basic products you want, like checking and savings accounts, credit cards and loans. And we go one step further, providing financial guidance, education, tools, one-on-one coaching and innovative programs to empower.
  • Comfy Loans LLC
  • 200 W Higgins Rd, Schaumburg, IL, 60195
  • Comfy Loans LLC is is privately owned and licensed as a residential mortgage broker in 2 states - Florida & Illinois. Unlike banks and giant online lenders, Comfy Loans LLC specialize exclusively in home loans. We can find the best loan for your situation. And because we have access to wholesale rates, we’ll pass those savings along to you.
  • Itasca Bank & Trust Co.
  • 308 W. Irving Park Road, Itasca, IL, 60143
  • Itasca Bank & Trust Co. would like the opportunity to earn your business. Our bankers take the time to get to know you, your objectives, and your strategic plan. We'll work with you to help uncover financing options available for managing your business and create a banking package tailored to your business needs.