FHA VS Conventional loan programs in 2026 for St.-James, Phelps County, Missouri
In 2026, the maximum limit for a Conventional loan in St.-James, within the county of Phelps, MO, is $647,200. At the same time, the FHA loan cap for a single-family dwelling is $420,680.
Utilize the Lendersa® Conventional loan calculator to explore and compare the most competitive rates between Conventional loans, FHA loans, and USDA loans. It will help you assess income, credit scores, reserves, and the necessary documentation to qualify. With our advanced mortgage calculator, you can evaluate Conforming Conventional loans alongside USDA, FHA, and VA options for a detailed comparison of which program might be most suitable for your financial circumstances in MO.
2026 Loan Limits and Down Payment Details in St.-James, Phelps County, MO
Loan Category
Maximum Loan Amount
Minimum Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparative data is relevant to these zip codes: 65559
Explore Conventional and FHA Loan Alternatives in St.-James, MO
The mission of Lendersa® is to swiftly provide you with the best possible Conventional, USDA, or FHA loans, minimizing any hassle. You are invited to choose among three starting paths that will align you with appropriate lenders and loan programs.
Phelps County Bank is 100% owned by our employees through an Employee Stock Ownership Plan (ESOP). Our mission is to build relationships with purpose, integrity, and fairness through a commitment to teamwork, education, and growth - believing that contributions of time, talents, and service lead to a better community for all.
Riverways Federal Credit Union, you’ll have access to all the same services you would use at other financial institutions. The difference is that at Riverways Federal Credit Union, you’ll get a better deal, and you’ll receive better service and also We enjoy helping our members grow financially and work towards their long term goals.
"We are here to serve you by answering your questions and assisting you in a friendly, courteous manner as you navigate through the mortgage loan process. We understand that you have many mortgage consultant options and are prepared to earn your long term trust. We are confident that you will quickly see how commited"
First Community National Bank is committed to banking as it should be: supporting our community and helping families become stronger, through trust and service. Founded in 1906, FCNB Bank currently serves the mid-Missouri area.
The first cashier of the Bank of Leasburg was James N. Smith; Luther A. Evans became cashier in October 1906.
What today is Legends Bank was established in 1913 in the community of Rich Fountain, Missouri, as the Rich Fountain Bank. It was one of the few banks in Osage County to survive the Great Depression. In fact, its move to Linn in 1936 was the result of the failure of all of the banks which had been operating in Linn.
On August 7, 1900, eight men affixed their signature or mark to the handwritten letter requesting a charter for a bank in Vienna. These founders of The Maries County Bank were John Coates, Thomas Felker, J.H. Roberts, John Otto, T.F. Branson, Antone Feldkamper, John Birmingham and Peter Redel.
Citizens Mortage Company, Inc. has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of Missouri and Fort Leonard Wood real estate professionals, builders and especially individual homebuyers. We're a full service mortgage broker with an experienced staff offering expertise
Sullivan Bank formerly Bank of Sullivan was founded in 1895 and continues to operate by the principles that formed our charter: stability, strength and service.The bank is a locally owned financial institution chartered by the State of Missouri. It is a member of the Federal Deposit Insurance Corporation (FDIC).
5000 Illinois Ave, Bldg 494, Fort Leonard Wood, MO, 65473
Lends in Missouri
Founded in 1954, Infuze Credit Union takes extraordinary pride in our long tradition of serving the financial needs of our members, both military, and civilians. The credit union has grown from providing financial resources to those serving at Fort Leonard Wood, MO, to serving more than 27, 000 members throughout the United States.
