Explore the differences! FHA VS Conventional loan programs in St.-Joseph, Buchanan County, Missouri

In 2025, the limit for a conventional loan in St.-Joseph, within Buchanan County, MO, stands at $647,200, whereas the FHA loan cap for a single-family home is $420,680.

Utilize Lendersa®'s Conventional loan calculator to evaluate the top rates for Conventional, FHA, and USDA loans. This tool lets you determine income, credit, reserves, and the necessary documents for qualification. It offers a side-by-side comparison of Conforming Conventional loans along with USDA, FHA, and VA options to aid in choosing the best program for your financial situation in MO.

See loan offers from over 100 lenders

Details of 2025 Loan Limits and Down Payment Guidelines in St.-Joseph, Buchanan 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 corresponds to zip codes: 64503, 64501, 64507, 64504, 64506, 64505, 64502, 64508

Available Loan Options: Conventional and FHA in St.-Joseph, MO

The aim of Lendersa® is to efficiently provide the best possible Conventional, USDA, or FHA loan without complication. Start with any of the three approaches to find appropriate lenders and loan programs.

Results of Lendersa USDA loan request matches


  • Realty Rx
  • 42993 Agena Street, Temecula, CA, 92592
  • Realty Rx Specializing in property sales and mortgage lending in the state of California. Realty Rx is well versed in representing Buyers and Sellers for their real estate transactions and lending needs. Realty Rx covers all of California and it's main office is located in Southern Riverside county.
  • Taylor Loop - Modern Lending
  • 30070 Temecula Pkwy, Suite 200, Temecula, CA, 92592
  • The Modern Lending Team is Southern California's number 1 mortgage team for funded loans and volume. With over 1000 Five Star reviews we are here to make ensure each and every one of our clients and referral partners knows and also Modern Lending we help families get the best mortgage rates to buy or refinance a home
  • Midcoast Federal Credit Union
  • 186 Lower Main Street, Freeport, ME, 04032
  • Midcoast Federal Credit Union is a not-for-profit financial cooperative, owned by our Members who are residents, relatives, or people employed by numerous businesses throughout the Midcoast Region of Maine. Midcoast Federal Credit Union serves the communities of Sagadahoc, Lincoln and Knox counties along with residents and businesses.
  • The Phoenix Man Financial Services
  • 24816 Morning Mist Drive, Moreno Valley, CA, 92557
  • The Phoenix Man Financial Services team considers this community an excellent place to reside and would love to share with you an enthusiasm for the many neighborhoods that encompass the area. The Phoenix Man Financial Services prides itself on providing unparalleled service and look forward to developing a long-term relationship with you.
  • HomeSight Mortgage
  • 30724 Benton Road, Suite C302-580, Winchester, CA, 92596
  • Faster, Cheaper, Easier, Local…and with lots of Love. That’s our game here at Williams Realty. We’re not just another Real Estate company; We’re laser focused on making sure we exceed your expectations by taking to heart the concept of under-promising and over-delivering. we went all in on that philosophy and still live it out to this day.
  • Gravity Mortgage
  • 31290 Windstone Drive, Winchester, CA, 92596
  • At Gravity Mortgage, our Loan Officers search for the best rates and best terms from multiple financial institutions. Let us be your advocates and provide you with an unbeatable quote. we are dedicated to making buying a house as easy as possible. We provide mortgage solutions specifically geared for you.
  • Mortgage Central
  • 25940 Calle Ensenada, Moreno Valley, CA, 92551
  • "Moore is a licensed California mortgage broker that is an expert in residential mortgages. Her team of real estate agents and associates can assist you with the sale, buying and financing of almost any property in California. Darlena herself specializes in FHA, VA, Conventional and Private Money financing."
  • Puente de Oro Home Loans
  • 14920 Perris Blvd, Suite 143, Moreno Valley, CA, 92553
  • We love our customers, so feel free to visit during normal business hours. There's much to see in Puente De Oro Home Loans, So, take your time, look around, and learn all there is to know about us. They giving SERVICES FOR SELLERS, BUYERS AND REFINANCES. We will help you in the process of your dream home purchase!