Explore the differences! FHA VS Conventional loan programs in Smithville, Clay County, Missouri
As of 2025, the conventional loan cap in Smithville, situated within Clay county, MO, is set at $726,200. In comparison, the FHA cap for a single-family residence is $472,030.
To evaluate today's top rates, use the Lendersa® Conventional loan calculator, which allows you to contrast Conventional against FHA and USDA rates. This tool helps you assess income, credit, reserves, and necessary documentation for loan qualification. Our precise mortgage calculator displays Conventional, USDA, FHA, and VA loans side by side, helping you to select the most suitable program for your financial requirements in MO.
Loan Limits and Down Payment Guidelines for 2025 in Smithville, Clay County, MO
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$345,000
0%
FHA
$472,030
3.5%
This table is relevant to the following zip codes: 64089
Exploring Conventional and FHA Loan Solutions in Smithville, MO
The mission of Lendersa® is to swiftly connect you with the ideal Conventional, USDA, or FHA loan, minus the hassle. Choose from three starting paths to find matching lenders and loan programs.
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