USDA VS FHA in Affton, St. Louis County, MO

In 2025, the USDA loan limit for Affton, St. Louis county, MO stands at $0. Comparatively, the FHA limit for a single-family home is $472,030.

Use Lendersa® USDA loan calculator to compare today's optimal USDA vs FHA rates. It helps determine the income, credit, reserves, and documents necessary for qualification. Our innovative mortgage calculator enables side-by-side examination of USDA, FHA, Conforming, and VA loans, aiding in identifying the most suitable option for your financial scenario in .

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2025 loan limits & down payment requirements in Affton, St. Louis, MO

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $472,030 3.5%
Conventional $726,200 3%

Exploring USDA and FHA loan options in Affton, MO

Lendersa® is committed to securing the best USDA or FHA loan rapidly, with minimal difficulty. Choose among three starting options that connect you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

The USDA home loan is a government-backed mortgage by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans need no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Bitterroot Community Federal Credit Union
  • 218 S Main Street, Darby, MT, 59829
  • Bitterroot Community Federal Credit Union was Chartered in 1968, was Darby’s first financial institution. Like the Darby Community, Bitterroot Community FCU is personal and friendly. Darby is a community that will always pull together to support a family in need & you will find this same characteristic in the staff & policies of this credit union.
  • Ravalli County Federal Credit Union.
  • 501 N 1st Street, Hamilton, MT, 59840
  • Ravalli County FCU was known as Ravalli County Federal Employees Credit Union Association. It was a state chartered credit union with membership restricted to employees of the Rocky Mountain Lab and the Forest Service. Over the years additional groups were allowed to join the credit union
  • Hamilton Mortgage Services, Inc
  • 716 S 1ST ST, Hamilton, MT, 59840
  • At Hamilton Mortgage Services, Inc We understand that each customer has specific needs. To meet those specific needs, we strive to provide a wide array of products, investment tools, mortgages and best of all quality service and individual attention. The loan process may seem daunting
  • Ask Mohave Community Federal Credit Union
  • 2809 Stockton Hill Rd, Kingman, AZ, 86401
  • At Mohave Community Federal Credit Union, individuals and families will be treated with care and respect, along with user-friendly tools and banking products. The member-owned institution provides both checking and savings accounts, as well as retirement accounts and overdraft protection.
  • Mission Bank
  • 2439 Hualapai Mountain Road, Kingman, AZ, 86401
  • Mission Bank is an independent, locally owned and managed community bank. Our primary goal is to provide you, our customer, with the highest level of premier, personalized service. We are a full service commercial and consumer banking institution. We offer a full range of banking products for businesses, professional firms.
  • The First National Bank of Ely
  • 595 Aultman Street, Ely, NV, 89301
  • Our banking facility is located in the picturesque, historic town of Ely, White Pine County, Nevada. The First National Bank of Ely has the distinct honor of holding the oldest bank charter in the great state of Nevada – we celebrated a century of service in 2007. We continue this long history of customer service
  • St. Pat's Employees FCU
  • 500 West Broadway, Missoula, MT, 59802
  • St. Pat’s Employees Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the St. Pat’s Employees Federal Credit Union will continue a sound yet progressive asset management strategy.
  • First Montana Bank
  • 201 N. Higgins Ave, Missoula, MT, 59802
  • Our story began in 1913 when several gents in Libby Montana got together and decided it would be a fine idea to create a bank dedicated to helping the community prosper and grow. Since that day, that small local bank has grown to ten branches serving eight western Montana communities.
  • Bank of Montana
  • 125 Bank Street, Suite 100, Missoula, MT, 59802
  • We offer a full range of deposit and loan services, featuring some of the most competitive rates in the country. One of our specialties is government-enhanced loans such as those provided in conjunction with the Montana Board of Investments, the Small Business Administration, the U.S. Department of Agriculture, and other state and federal programs.