FHA VS Conventional loan in Smithville, Clay County, Missouri
As of 2026, 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 2026 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.
6700 Jefferson St NE, Suite D-1, Albuquerque, NM, 87109
WE'RE LOCAL—We aren’t a huge national chain with one-size-fits-all banking options—we’re a local partner with BIG ideas and the latest technology to help our members solve problems and grow. We employ around 140 community members, and our employees range from bright, promising college students to seasoned financial geniuses
4811B Hardware Dr NE, Suite 1, Albuquerque, NM, 87109
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5353 Wyoming Blvd NE, Suite C, Albuquerque, NM, 87109
Our professional loan officers provide recommendations for the best loan based on your needs. Whether you're a first-time homebuyer or you’re well-versed in the process, buying or refinancing a home can be an exciting and rewarding experience with Creative Lending Corporation. We take the time to listen and we’ll work with you to find a home loan.
5801 Osuna Rd NE, Suite 105, Albuquerque, NM, 87109
As highly experienced loan officers, we provide excellent customer service as part of our dedication to client satisfaction. Our professional staff will ask the right questions, listen to what you say with attention to detail, and devise a mortgage that fits all of your financial needs.
Waterstone Mortgage Corporation has maintained a reputation for exceptional service and competitive mortgage financing since our inception in 2000. Since then we’ve grown to one of the largest mortgage lenders in the country with over 800 employees, branch locations in 29 states, and the ability to lend in 47 states.
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On Q Financial, Inc. believes the Dream of Homeownership is INCLUSIVE and prides itself on simplifying the mortgage process. There is nothing like the joy, comfort, and security that comes from owning a home, and On Q Financial takes great pride in knowing they helped over 10,000 families achieve their dream last year.
4901 McLeod Rd NE, Suite C, Albuquerque, NM, 87109
Vision Mortgage Group is a full-service mortgage lender in Albuquerque, New Mexico offering a variety of loan programs to fit your needs and requirements. Allow us to guide you through the entire process with honesty and integrity. With over 20 years of financial services experience Mo Marwan will make your home buying
