USDA Vs. FHA your options comparison in Bonne-Terre, St. Francois County, MO

In 2025, the USDA loan limit in Bonne-Terre, part of St. Francois county in MO, stands at $285,000, while the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Determine income, credit, reserves, and necessary documents required for qualification. With our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA loans side by side, helping you choose the best-fit program for your financial situation in Alabama.

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2025 Loan Limits and Down Payment Guidelines in Bonne-Terre, St. Francois, MO

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Bonne-Terre, MO

Lendersa® aims to secure the best USDA or FHA loan for you quickly and without issues. Choose one of three pathways to find matching lenders and applicable USDA loan programs.

Lendersa USDA loan request and matching results

The USDA Loan in MO

A USDA home loan is guaranteed by the government's Department of Agriculture, often known as a USDA rural development loan or USDA mortgage, and it's available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment requirement, making them an attractive option for qualified buyers.

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



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