Explore the differences! FHA VS Conventional loan programs in Smithville, Clay County, Missouri
In 2025, Convetional loan limit in Smithville, county of Clay, MO is $726,200 while FHA limit is $472,030 for a single-family home.
Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in MO is best for your particular financial situation.
2025 loan limits and downpayment requirments in Smithville, county of Clay, MO
Loan Type
Loan Limit
Down payment
Conventional Conforming
$726,200
3%
USDA
$345,000
0%
FHA
$472,030
3.5%
The comparison table applies to zip codes: 64089
Conventional and FHA loan options in Smithville, MO
Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.
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