FHA VS Conventional loan programs in 2026 for Sugar-Creek, Jackson County, Missouri

In 2026, the loan threshold for a Conventional loan in Sugar-Creek, within Jackson county, MO, is $647,200. At the same time, the FHA limit for a single-family home is set at $431,250.

The Lendersa® calculator for Conventional loans allows users to compare present-day Conventional, FHA, and USDA rates. You can assess the income, credit requirements, reserves, and documentation necessary to qualify. Our state-of-the-art mortgage calculator displays Conforming, USDA, FHA, and VA loans side by side to assist you in determining the most suitable program for your financial scenario in MO.

Explore loan options from 100 lenders

2026 Loan Limits and Downpayment Overview in Sugar-Creek, Jackson County, MO

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $311,800 0%
FHA $431,250 3.5%

This comparison is applicable to zip codes: 64058

Available Conventional and FHA Loan Choices in Sugar-Creek, MO

The purpose of Lendersa® is to secure the best Conventional, USDA, or FHA loans quickly and without hassle. Begin your journey by selecting from three options that connect you to matching lenders and suitable loan programs.

USDA loan requests and matching results by Lendersa


Sugar-Creek Lenders

  • United Consumers Credit Union
  • 1111 E 23rd Street, Independence, MO, 64050
  • Lends in Missouri
  • Since 1941, United Consumers has been providing its members with an alternative to increasingly expensive banking services. The credit union is a not-for-profit financial institution owned by the members who join. Benefits of membership include lower rates on loans, higher rates on investments

  • Square One Realty & Property Solutions LLC
  • 800 West Maple Avenue, Independence, MO, 64050
  • Lends in Missouri
  • Square One Solutions is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,

  • Mulberry Street Mortgage
  • 19 North Water Street, Liberty, MO, 64068
  • Lends in Missouri
  • Mulberry Street Mortgage, a dedicated professional will thoroughly evaluate your financial needs to help you qualify for a low rate mortgage that works within your budget. Our goal is to get you the most favorable rate possible while working to answer your questions, and make the application process a simple and smooth transition

  • Midwest Capital Mortgage, Inc.
  • 1201 Landmark Ave, Suite 3, Liberty, MO, 64068
  • Lends in Missouri
  • At Midwest Capital Mortgage, Inc. We are a full-service mortgage company based in Liberty, Missouri. We specialize in mortgages in Liberty, Kansas City, Overland Park, and Lenexa. We also serve the surrounding cities in Clay County, Platte County, Johnson County, and Jackson County.

  • Community Mortgage
  • 19045 E. Valley View Pkwy, Suite F, Independence, MO, 64055
  • Lends in Missouri
  • "At Community Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use ""common sense"" & will help you obtain the best loan possible.
    Purchasing a home is probably one of the biggest investments you'll make in your lifetime. We are with you every step

  • Community Mortgage, LLC
  • 19045 E. Valley View Pkwy, Suite F, Independence, MO, 64055
  • Lends in Missouri
  • At Community Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • National VA Loans
  • 6505 N. Prospect Ave, Suite 400, Gladstone, MO, 64119
  • Lends in Missouri
  • National VA Loans is one of the fastest growing VA mortgage brands in the United States. We are a brand that developed out of a pure, honest desire to help servicemen and women be able to buy a home and build the life of their dreams within that home. We are here to help you utilize the VA Loan programs.

  • Motto Mortgage Heritage
  • 1900 Northwest South Outer Road, Suite 209, Blue Springs, MO, 64015
  • Lends in Missouri
  • Whether you are buying, selling, refinancing, or remodeling, we have an extensive list of over 70 Lenders to fit your long and short-term needs. You will enjoy a comprehensive loan analysis and access to the lowest rates and fees on the market. KC Mortgage Duo guarantees the highest level of customer service, on-time closings,

  • Edison Credit Union
  • 4200 East Front Street, Kansas City, MO, 64120
  • Lends in Missouri
  • We are a Full Service Credit Union located in North Kansas City. We offer: Auto Loans, Personal Loans, Share Secured Loans, Mortgage Loans, Home Equity Loans, Savings Accounts, Checking Accounts, Kids Club Accounts, Investment Accounts, Christmas and Vacation Club Accounts, ATM and Debit Cards, Visa Credit Cards, Money Orders,