USDA Loan Vs. FHA loan pro & con Bellefontaine-Neighbors, St. Louis County, MO

In 2026, the USDA loan limit for Bellefontaine-Neighbors, in the county of St. Louis, MO, is $0. By contrast, the FHA limit is $356,362 for a single-family dwelling.

Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates, while assessing the income, credit, reserves, and documents needed for eligibility. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in determining the program most appropriate for your financial situation in .

Explore USDA and FHA Loan Options in Bellefontaine-Neighbors, MO

The mission of Lendersa® is to promptly and smoothly connect you with the most suitable USDA or FHA loan. Begin with one of our three strategic paths to find lenders matching USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

USDA home loans, guaranteed by the Department of Agriculture and commonly referred to as USDA rural development loans or USDA mortgages, are exclusive to rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans eliminate the need for any down payment, making them an appealing choice for those in eligible regions.

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(618) 462-7000 Lender's profile and map Reviews Liberty Bank 2403 Homer M Adams Pkwy, Alton, IL, 62002 Liberty Bank, headquartered in Alton, Illinois, was founded by area businessmen in 1994. Expanding to Godfrey in 1997 and Bethalto in 2006, it has since grown to include a total of four locations serving Madison County. In 2017, Liberty Bank joined United Community Bank and now includes more than 100 Bank & ATM locations
(618) 462-5229 Lender's profile and map Reviews State Employees Credit Union 4500 College Avenue, Suite 200, Alton, IL, 62002 State Employees Community 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 State Employees Community Credit Union will continue a sound yet progressive asset management strategy
(618) 466-3871 Lender's profile and map Reviews Altonized Community FCU 4435 North Alby Street, Alton, IL, 62002 Altonized Community Federal Credit Union is a not-for-profit cooperative providing the best service to our most important assets – our members. Altonized Community Federal Credit Union is a full service financial institution owned and controlled by the members who join it. Since its charter in 1939
(618) 463-5700 Lender's profile and map Reviews Preferred Mortgage, Inc. 2375 C Homer Adams Pkwy, Alton, IL, 62002 At Preferred Mortgage, Inc., offers the best services in mortgage financing at the lowest cost to you. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound choices. As full-service mortgage brokers, we offer a wide range of loans from government (VA, FHA)
(314) 453-1780 Lender's profile and map Reviews Division #6 Highway Credit Union 14392 S Outer Forty Road, Chesterfield, MO, 63017 Division #6 Highway Credit Union has been in business since 1953 serving MoDot and Missouri State Highway Patrol employees and their families. Anyone employed by the Missouri Department of Transportation in District Six, or employed by the Missouri State Highway Patrol, Troop C, is eligible to become a member
(314) 787-0292 Lender's profile and map Reviews Access Capital Funding, LLC 14366 S Outer 40, Chesterfield, MO, 63017 Access Capital Funding, LLC has been providing St. Louis home loans for more than 20 years. We specialize in FHA loans, VA loans, USDA loans and Conventional home loans. Thousands of First Time Homebuyers have used our services. Our No Cost Refinance is a Missouri and Illinois home loan favorite, saving our clients thousands in closing cost.
(314) 544-1818 Lender's profile and map Reviews Century Credit Union 1540 Lemay Ferry Road, Saint Louis, MO, 63125 At Century Credit Union, we pride ourselves on our customer service and have been faithfully serving members for more than 60 years. Located in South St. Louis County and in Arnold, we reach more than 9, 000 members and approximately 30 select employee groups and accept new members from three Missouri counties: St. Louis County, Jefferson County.
(314) 631-5500 Lender's profile and map Reviews Midwest BankCentre 2191 Lemay Ferry Road, St. Louis, MO, 63125 We have been a mainstay of St. Louis community banking since 1906. Currently, we rank among St. Louis’ largest locally owned banks with assets of about $1.9 billion and deposits of $1.4 billion. We provide integrated financial services with expertise in commercial, retail and digital banking; business treasury management.
(314) 452-2132 Lender's profile and map Reviews Assured Mortgage service 9521 S. Broadway, Lemay, MO, 63125 At AssuredMTGS.com, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. We are committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available.
(314) 394-2790 Lender's profile and map Reviews LutheranFCU 10733 Sunset Office Drive, Suite 406, Saint Louis, MO, 63127 We have all the products you would expect of large financial institutions, and the personal service you want. And whether you are opening LCMS organization or personal accounts, you will find accounts with no maintenance or annual fees, exceptional online access, remote deposit capability, and for personal loans, excellent rates.
(314) 497-9646 Lender's profile and map Reviews IMS Mortgage Services LLC 3636 S Geyer Rd, Saint Louis, MO, 63127 At IMS Mortgage Services, we are committed to our values of service, empowerment & accountability. These values are not only for our customers, but for each other as well. We are the best mortgage professionals in the industry bar none.We do things faster & less expensive than our competition & quite frankly, we simply do what others only promise.
(314) 722-2330 Lender's profile and map Reviews Essex Residential Mortgage LLC 3770 S. Lindbergh Blvd, Suite 101, St. Louis, MO, 63127 We're committed to helping you find the right mortgage product for your needs. Every borrower, and every loan is different. We're small enough to have the flexibility needed to get your loan closed, but large enough to offer a wide variety of loan programs and customized options to meet all your needs.