FHA VS Conventional loan 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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  • Direct Mortgage Loan Company
  • 7112 Germantown Ave, Philadelphia, PA, 19119
  • Direct Mortgage Loan Company is a private lender specializing in fixed-rate, bridge financing for real estate developers and investors in Philadelphia and the surrounding areas. We lend on land, rehab projects and new construction, on single family, multi family, mixed use and commercial
  • HOME | FRONT Mortgage
  • 7139-41 Germantown Ave, Philadelphia, PA, 19119
  • At Home Front Mortgage. We are the fastest growing, Veteran Owned and Operated, Mortgage Broker on the East Coast. We Were Founded in 2016 by a career Real Estate professional and a Career Mortgage professional. This blend is not only unique, but it guarantees the entire purchase and real Estate process is respected and understood.
  • Sky Financing Solutions
  • 728 S broad St, Philadelphia, PA, 19146
  • In-House Appraisal & Legal: Forget delays! Our in-house team handles all the appraisal and legal work, ensuring a smooth, swift process No Junk Fees, No Surprises: What we promise is what you get. Enjoy complete transparency with no hidden charges. Best Interest Rates & Low Points: Maximize your profits with our competitive rates and low points.
  • Paradise Mortgage Brokers LLC
  • 2518 Christian St, Philadelphia, PA, 19146
  • Paradise Mortgage Brokers to provide education & guidance for all future homebuyers & present homeowners for financial responsibility. With the latest technology we will maintain high trust relationships with our clients business partners, & communities. The growth of our team members individually & as one will remain to be a part of our mission.
  • Keegan Mortgage Corporation
  • 1504 Walnut Avenue, Oreland, PA, 19075
  • Our team of mortgage professionals is committed to finding you the best mortgage deal possible, while providing trusted counsel, advice and support at every step along the way.As our past customers can attest, we do not rest until we’ve helped make their dreams a reality and same customers have turned to us time.
  • Bridgeton Onized Federal Credit Union
  • 339 Main Street, Cedarville, NJ, 08311
  • Bridgeton Onized Federal Credit Union has been open since 1939. The credit union has assets totaling $46.63 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
  • Bluebird Lending
  • 1845 Walnut Street, Ste 910, Philadelphia, PA, 19103
  • Bluebird Lending creates opportunities for real estate investors to improve their communities by providing fast, flexible and fair lending solutions to grow their business. Bluebird understands the unique challenges real estate investors face and is equipped to work closely with our customers to produce successful results.
  • Singer Financial Corporation
  • 1708 Locust St, Philadelphia, PA, 19103
  • We are a Private Direct Portfolio Lender with our own pool of capital available to lend your business. Unlike many other Private Lenders, we don't take your loan to some nameless private investor to get your loan approved and funded. We offer commercial real estate secured business loans to business owners and real estate investors.
  • HomeLend Financial Inc
  • 1900 Market Street, 8th Floor, Philadelphia, PA, 19103
  • HomeLend Financial We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.
  • UMortgage
  • 100 North 18th Street, Suite 1400, Philadelphia, PA, 19103
  • UMortgage Want comfortability, ease, and a broker who meets you where you’re at? No problem. We customize our process to you. Whether it’s over text, email, on the phone, in person or any combo of your choice, our team will be there. We offer great rates while partnering with you to close within 3 weeks.
  • Chesen Mortgage Group
  • 1626 Locust Street, Suite 404, Philadelphia, PA, 19103
  • We offer expertise in every area of mortgage lending. With access to a full range of mortgage resources, all our lending specialists are dedicated to finding the right loan with the best rate, terms and costs to meet your unique needs. But that is just the beginning. Our talented staff provides regular updates and progress reports.