USDA VS FHA in Buffalo, Dallas County, MO

For 2026, the USDA loan limit in Buffalo, located in Dallas county, MO, is set at $336,500, whereas the FHA cap for a single-family home is $472,030.

Utilize Lendersa® USDA loan calculator to compare the top rates of USDA and FHA loans today. Determine the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, guiding you to choose the most suitable program in for your financial situation.

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2026 Loan Limits and Downpayment Requirements in Buffalo, County of Dallas, MO

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Buffalo, MO

The purpose of Lendersa® is to quickly attain the best USDA or FHA loan for you without hassle. Select one of three starting options to connect with matching lenders and USDA loan programs.

  1. Submit the ultimate request with USDA/FHA loan optimization
  2. Preview USDA and FHA rates & terms first
  3. Access the largest database of USDA loan lenders
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Understanding USDA Loans in MO

A USDA home loan is a government-backed loan provided by the Department of Agriculture, often called a USDA rural development loan or mortgage. It is exclusively available in rural neighborhoods. In contrast to FHA loans requiring a minimum of 3.5% down payment, USDA loans do not need any down payment.

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  • Bothwell Hospital Employees Credit Union
  • 600 E 13th Street, Sedalia, MO, 65301

  • Bothwell Hospital Employees Credit Union is committed to our members. We will uphold our fundamental responsibility to actively serve people within our field of membership and, as appropriate, the communities they live in. We will treat all members with respect and dignity and will offer honest, fair deals to all members at all times.

  • Maries County Bank
  • 205 Highway 63 N, Vienna, MO, 65582

  • On August 7, 1900, eight men affixed their signature or mark to the handwritten letter requesting a charter for a bank in Vienna. These founders of The Maries County Bank were John Coates, Thomas Felker, J.H. Roberts, John Otto, T.F. Branson, Antone Feldkamper, John Birmingham and Peter Redel.

  • Southwest Missouri Bank
  • 202 W High, Alba, MO, 64830

  • We are proud to be the largest locally owned community bank in southwest Missouri. It all began in Carthage, Missouri, when Garry Denney, along with seven other citizens, decided to start a new bank. The first Carthage branch opened in June, 1979, with one million dollars in assets and over the years we expanded into Joplin, Neosho, Jasper & Alba.

  • Community First Bank MO
  • 915 W. Ft. Scott Street, Butler, MO, 64730

  • Community First Bank offers the deposit and loan services of a national brand with the convenience and customer service of a local community bank. The team members at CFB provide the tools necessary for our neighbors in the West-Central Missouri area to take charge of all aspects of their finance and lending needs.

  • Farmers Bank of Lohman, Missouri
  • 103 Lomo Drive, Jefferson City, MO, 65109

  • Farmers Bank of Lohman is a community-oriented financial institution serving the Lohman and St. Martins, Missouri areas. The original incorporation of the Bank consisted of 100 shares of $100 par value purchased by investors from the local community of Lohman. We remain locally owned and operated and the descendants.

  • Conservation Employees’ Credit Union
  • 2915 W Truman Boulevard, Jefferson City, MO, 65109

  • Since 1955, Conservation Employees’ Credit Union (CECU) has existed as a financial institution owned by those people who save, borrow, and invest together as credit union members. As the credit union offers excellent returns on savings and low loan rates, each member has the opportunity to achieve greater stability and success.

  • Jefferson Bank
  • 700 Southwest Blvd., Jefferson City, MO, 65109

  • At Jefferson Bank, we think banking should be personal. And we like working with you. That's why customer service is so important to us. We're a team dedicated to serving you. You can count on our professionalism and discretion in handling all of your financial needs. Feel free to contact us with any question or concern.

  • Accord Mortgage
  • 2810 S. Ten Mile Dr., Jefferson City, MO, 65109

  • Purchasing a home is a big financial decision. We are dedicated to making sure whichever path you take, the road to your new home is an easy one! At Accord Mortgage, we are proud to offer loans of all types to all of Missouri and are dedicated to finding a solution that is perfect for you and your lifestyle. Let us help you find the loan

  • Midwest Independent Bank
  • 910 Weathered Rock Road, Jefferson City, MO, 65101

  • MIB is proud to be able to assist community banks with their lending needs! Our loan team is comprised of individuals specializing in many different areas of lending. Our experienced staff will deliver exceptional customer service in a very professional manner and also MIB is a “bankers’ bank” which provides a wide array of correspondent banking se

  • Missouri Baptist Credit Union
  • 400 East High Street, Jefferson City, MO, 65101

  • Missouri Baptist Credit Union has been open since 1963. The credit union has assets totaling $9.03 Million and provides banking services to more than 1, 000 members.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.

  • MECE Credit Union
  • 2722 East McCarty Street, Jefferson City, MO, 65101

  • MECE Credit Union are not sponsored by Facebook or any other business. Employees, their immediate family members, and the Board of Directors of the Credit Union are not eligible for any prizes. All entrants must be members in good standing with the Missouri Electric Cooperatives Employees' Credit Union to be eligible for the drawing.

  • Hawthorn Bank
  • 132 E. High St., Jefferson City, MO, 65101

  • Founded in 1865, Hawthorn Bank has proudly served Missouri families and small businesses for more than 150 years. A strong supporter of our local communities, we are an advocate for schools, charities, and civic groups in all of our markets. We promote the economic development of our communities
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