For the year 2026, the conventional loan limit in Independence, located in Jackson county, MO, is $726,200, while the FHA loan limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to contrast the existing rates of Conventional, FHA, and USDA loans. This calculator helps determine the required income, credit score, reserves, and necessary documentation for approval. Compare side by side the Conforming Conventional, USDA, FHA, and VA loans to figure out which option in MO suits your financial situation best.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $345,000 | 0% |
| FHA | $472,030 | 3.5% |
The table applies to the following zip codes: 64054
Lendersa® is committed to finding the best Conventional, USDA, or FHA loan for you efficiently and smoothly. Choose one of three ways to find matching lenders and loan plans.
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