USDA Vs. FHA your options comparison in Breckenridge-Hills, St. Louis County, MO

For 2025, the USDA loan limit in Breckenridge-Hills, county of St. Louis, MO, is $0, while the FHA limit for a single-family home is $356,362.

Make use of the Lendersa® USDA loan calculator to assess today's USDA versus FHA prime rates. Evaluate what income, credit level, reserves, and documents you need to qualify. With our advanced mortgage calculator, simultaneously view USDA, FHA, Conforming, and VA loans to choose the one that best suits your financial situation in .

Browse loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Breckenridge-Hills, St. Louis County, MO

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

USDA and FHA Loan Options in Breckenridge-Hills, MO

Lendersa® aims to secure you the best USDA or FHA loan swiftly and without stress. Select from three initial steps that will match you with lenders and USDA loan opportunities.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan, backed by the government via the Department of Agriculture and often called a USDA rural development loan or mortgage, is available in rural areas exclusively. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans demand no down payment.

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



  • 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.
  • 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.
  • Integrity Mortgage Corporation
  • 200 N. Main St., St. Charles, MO, 63301
  • Integrity Mortgage has consistently distinguished itself from its big-bank competitors through its dedication to excellence and commitment to customer service. Integrity Mortgage has grown over the years, but its values have stayed the same. It remains a family company that cares about its clients and employees.
  • FasterFunds Lending
  • 3320-1 Rue Royale, Saint Charles, MO, 63301
  • "FasterFunds Lending was started in 2015 to provide local St Louis area landlords and rehabbers short term money to fund their real estate investing deals. Our team lives in St Louis and has over 25 years combined real estate experience. We have a true passion for real estate and love to see the positive impact it can have on our borrower’s lives.
  • AA Mortgage Corp
  • 14346 Manchester Road, Manchester, MO, 63011
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Shelter Mortgage Inc
  • 10 Strecker Road, Suite 1280, Ballwin, MO, 63011
  • "I’m Michael Miget, the founder of Shelter Mortgage, Inc. and creator of the “Better Home Financing” system and strategies. I am a native St. Louis resident and I’ve spent the last 27 years applying my home loan expertise in mortgage, real estate and finance. My passion is helping people just like you make educated, wise"
  • 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.
  • 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.
  • 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.
  • St Louis Home Mortgage and Retention Services
  • 113 Old State Road, Suite 103, Ellisville, MO, 63021
  • Founded in March 2009 as St Louis Home Retention Group, We are home mortgage specialists focused on your unique situation and needs. From your first home loan to refinancing and load modifications, we help you get the right loan and keep your home and also The company’s efforts over the years have earned them an A+ rating with the BBB
  • GCS Credit Union
  • 3970 Maryville Road, Granite City, IL, 62040
  • Founded in 1941 as a source of loans and basic savings products, GCS Credit Union has always focused on the member. Through the years, that philosophy has served us well, helping us grow from a single office in Granite City to a full-service financial institution serving the following Illinois counties: Sangamon, Logan,
  • Qualify 4 mortgage
  • 2245 Pontoon Rd, Granite City, IL, 62040
  • Qualify 4 mortgage common Types of Mortgage to help you determine which loan would be best for you. You should consult with Dave Anderson to determine which type of mortgage is best suited for your individual circumstance. We specialize in these loans FHA Mortgage, VA Mortgage, Conventional Loan and more.