Explore the differences! FHA VS Conventional loan programs in O'Fallon, St. Charles County, Missouri

For 2025, the limit for conventional loans in O'Fallon, located in the county of St. Charles, MO is $647,200, whereas the FHA limit for a single-family home is $420,680.

With the Lendersa® Conventional loan calculator, you can evaluate the most competitive rates for Conventional versus FHA and USDA loans. Determine the required income, credit, reserves, and documentation to qualify. By using our mortgage calculator, you can compare the Conforming Conventional loans, USDA, FHA, and VA options to find the best match in MO for your financial needs.

Review loan offers from a broad selection of 100 lenders

Outline of 2025 Loan Limits and Down Payment Details in O'Fallon, St. Charles County, MO

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table is relevant for the following zip codes: 63367, 63366, 63368

Explore Conventional and FHA Loan Solutions in O'Fallon, MO

Lendersa® is dedicated to quickly obtaining the ideal Conventional, USDA, or FHA loan without unnecessary complexity. Begin with one of the three methods below to find suitable lenders and loan options.

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  • Essex Residential Mortgage LLC
  • 3770 S. Lindbergh Blvd, Suite 101, St. Louis, MO, 63127
  • We're committed to helping you find the right mortgage product for your needs. Every borrower, and every loan is different. We're small enough to have the flexibility needed to get your loan closed, but large enough to offer a wide variety of loan programs and customized options to meet all your needs.
  • United Bank of Union
  • 15 E. Main Street, Union, MO, 63084
  • Our mission is to protect customer deposits through safe and sound operations of the bank, to be leaders in supporting our community while providing an above average return on our stockholders'​ investments and providing our employees with an excellent opportunity for growth and advancement.
  • M1 Bank
  • 112 South Hanley Road, Suite 120, Clayton, MO, 63105
  • M1 Bank is a Boutique Financial Institution specializing in Low-to-Moderate Income Housing (LIHTC), Renewable Energy (ITC – Investment Tax Credit) and Historic Tax Credit Development Lending on a National Scale. M1 is a High-Performance Financial Institution recognized by S&P Global as one of the Top 100 performing institutions
  • Stifel Bank
  • 8000 Maryland Avenue, Clayton, MO, 63105
  • The Business Bank of St. Louis was founded in 2002 and became Stifel Bank on August 31, 2018. Based in Clayton, Missouri, Stifel Bank serves growing and middle market businesses and their owners with a full range of lending, deposit, treasury and private banking services. We have the flexibility and resources to offer our customers the banking
  • Enterprise Bank & Trust
  • 150 N Meramec Ave, Clayton, MO, 63105
  • We offer Banking and financial services with offices in Arizona, Kansas, Missouri and New Mexico. Member FDIC, Equal Housing Lender Enterprise Bank & Trust was founded nearly 30 years ago on the idea of serving the lifetime financial needs of privately-held businesses their owner families and other success-minded individuals.
  • Carlson Mortgage LLC
  • 7777 Bonhomme Avenue, Suite 1800, Saint Louis, MO, 63105
  • We specialize in conventional, FHA, Veterans (VA) & Jumbo Loans. We work with 8 major banks, but don't have any allegiance to a specific one. Because of that fact we are able to routinely offer you some of the lowest rates in the country. What separates us from other local brokers is that you will never have to pay ANY broker fees
  • Gateway Mortgage
  • 7733 Forsyth Blvd, Suite 1100, Saint Louis, MO, 63105
  • Gateway Mortgage is one of the longest established Missouri mortgage brokerage firms in the St. Louis region serving clients since 1990. Our company has expanded rapidly over the years but we’ve always strictly adhered to our proven business model of excellence & honesty the foundation that has made Gateway the selection of over 10, 000 homeowners
  • Heartland Mortgage Lending LLC
  • 2203 South Big Bend Boulevard, Saint Louis, MO, 63117
  • 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.
  • Alternative Mortgage Solutions Inc
  • 10000 Watson rd, Suite 2-L-13, Saint Louis, MO, 63126
  • We are a Missouri licensed mortgage broker located in St. Louis. We provide mortgages for Purchase and refinancing. FHA and VA loans are available and also We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms.
  • Superior Mortgage Solutions Inc.
  • 50 Crestwood Executive Center, Suite 30, Saint Louis, MO, 63126
  • At Superior Mortgage Solutions Inc. We are a full service mortgage company based in Saint Louis, Missouri. We specialize in FHA Mortgages, VA Loans, USDA, Jumbo and Conventional Mortgage Loans in Saint Louis. We also serve the surrounding cities in Saint Louis County. Whether you are buying a home or refinancing in our neighborhood
  • 123 Mortgage LLC
  • 7514 Big Bend Blvd, Saint Louis, MO, 63119
  • "123 Mortgage, we offer a full range of loan products whether you are making a purchase or would like to learn more about refinancing, our team of experienced mortgage professionals have you covered! Explore our customizable loan programs to learn more. Fixed Rate Mortgages FHA Streamline Financing Cash Out Mortgage Conventional Loans Re