Explore the differences! FHA VS Conventional loan programs in Lee's-Summit, Jackson County, Missouri

For 2026, the conventional loan limit in Lee's-Summit, within Jackson County, MO, is set at $647,200. In contrast, the FHA loan limit for a single-family home reaches $431,250.

Using the Lendersa® Conventional loan calculator, you can compare the best rates available today for Conventional versus FHA and USDA loans. It helps determine income, credit, reserves, and documents necessary for qualification. With our mortgage calculator, you can compare Conforming Conventional loans side by side with USDA, FHA, and VA loans to identify the most suitable program in MO for you.

Evaluate loan offers from over 100 lenders

2026 Loan Limits and Down Payment Provisions in Lee's-Summit, Jackson County, MO

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

Please note, the comparison table pertains to zip codes: 64086

Loan Alternatives: Conventional and FHA in Lee's-Summit, MO

The objective of Lendersa® is to secure the most favorable Conventional, USDA, or FHA loan quickly and with ease. Start with any of three options to find corresponding lenders and loan offers.

Results for Lendersa's USDA loan requests and matching


Lee's-Summit Lenders

  • Missouri Central Credit Union
  • 825 NE Deerbrook St Lees, Lees Summit, MO, 64086
  • Lends in Missouri
  • Missouri Central Credit Union was organized December 28, 1931 as Missouri State Credit Union. The name was changed to Missouri Central Credit Union at a meeting of the membership on November 18, 1960. The credit union moved to Lee’s Summit in September, 1994 and quickly became involved in the thriving Lee’s Summit community.

  • ePrivate Lending
  • 200 NE Missouri Rd, Suite 200, Lees Summit, MO, 64086
  • Lends in Missouri
  • ePrivate Lending. We are a private lender who provides financing to Real Estate Investors for single and multi-family investment property. What makes us different is we are direct with no middlemen involved. This gives our investors the highest level of service, lowest rates and costs available in private lending

  • Alpha Mortgage, LLC
  • 249 SW Noel Street, LeE'S Summit, MO, 64063
  • Lends in Missouri
  • As a full service residential mortgage company serving both Kansas and Missouri we ensure our clients receive the proper financing when purchasing, refinancing, or using the equity in their home. Our experienced staff of licensed mortgage professionals are here to assist you whether you are buying your first home or purchasing your dream home.

  • A1 Mortgage Group LLC
  • 200 Northwest Executive Way, Lees Summit, MO, 64063
  • Lends in Missouri
  • Our mission at A1 Mortgage is to present our customers with innovative financial solutions and superior service that will achieve their financial goals, while providing our employees the greatest opportunity for personal achievement. This in return will build a solid foundation for our company and a better future for our community.

  • Summit Lending
  • 4967B Goodview Circle, Lees Summit, MO, 64064
  • Lends in Missouri
  • At Summit Lending We are Experts with VA Loans, FHA loans, conventional mortgages and have been helping folks find the best mortgage options for over 17 years.VA Loans, FHA loans, conventional mortgage services. Summit Lending is Arizona, Missouri, & Kansas' trusted, local leader for home loans and refinanced mortgages.

  • Affinity Lending, Inc.
  • 2641 NE McBaine Dr, Lees Summit, MO, 64064
  • Lends in Missouri
  • Affinity Lending, Inc. was established in 2007 and was greatly expanded in early 2019. At at Affinity, we believe in long-lasting relationships and it begins with honesty and integrity. When you work with us, you get personal service and the respect you deserve from our experienced and knowledgeable staff every time.

  • Lowen Enterprise LLC
  • 115a South Main, Grain Valley, MO, 64029
  • Lends in Missouri
  • WPL Mortgage Solutions is more than a mortgage broker, we’re your financial partner. We seek out long-term relationships with our vendors, suppliers, employees and most of all, with our clients. As a mortgage broker, we take time to get to know customers and find real solutions so they can live out their dreams.

  • Motto Mortgage Heritage
  • 1900 Northwest South Outer Road, Suite 209, Blue Springs, MO, 64015
  • Lends in Missouri
  • Whether you are buying, selling, refinancing, or remodeling, we have an extensive list of over 70 Lenders to fit your long and short-term needs. You will enjoy a comprehensive loan analysis and access to the lowest rates and fees on the market. KC Mortgage Duo guarantees the highest level of customer service, on-time closings,

  • The Bank of Grain Valley
  • 14801 E US Highway 40, Kansas City, MO, 64136
  • Lends in Missouri
  • The Bank of Grain Valley was established May 11, 1905 and has been continually operated as a local, family owned, independent, community bank since that time.

    While banking has changed in the last 117 years, The Bank of Grain Valley's principles have not. We are committed to serving our customers on a personal basis.