USDA and FHA Pro and Con in Cape-Girardeau, Cape Girardeau County, MO
In 2026, the USDA loan limit for Cape-Girardeau, within Cape Girardeau County, MO, is $285,000. Conversely, the FHA limit for a single-family property is $356,362.
Use the Lendersa® USDA loan calculator to measure the best rates available today for USDA against FHA, and determine the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator allows for a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding in choosing the best program for your specific financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Cape-Girardeau, Cape Girardeau County, 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 Choices in Cape-Girardeau, MO
Lendersa® aims to swiftly secure you the best possible USDA or FHA loan, hassle-free. Choose one of three starting points to match with lenders and align with USDA loan options.
A USDA loan is backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, predominantly available in rural areas. While FHA loans require a minimum of 3.5% down, USDA loans do not require any down payment.
2 South Mount Auburn Road, Cape Girardeau, MO, 63703
Lends in Missouri
We are a community bank committed to providing high quality service to our customers and an excellent working environment for our employees and are actively involved in the communities that we serve. We offer a wide range of traditional depository products, mortgage loans, business and consumer loans, online banking and mobile banking.
Cape Regional Credit Union has been open since 1971. The credit union has assets totaling $17.03 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
2511 Independence, Suite 400, Cape Girardeau, MO, 63703
Lends in Missouri
The Mortgage Place is a local start-up that began in Cape Girardeau’s Marquette Tech District as a member at Codefi. The Mortgage Place leverages sophisticated technology developed by NexSpring to give borrowers hundreds of home loan options when purchasing, refinancing, constructing or obtaining a reverse mortgage.
Peoples Bank of Altenburg is here to provide the banking services you need. Serving the communities of Altenburg and Jackson, as well as the surrounding areas, we know the important role community banks play in making communities successful, and we take our role very seriously. We live and work in these communities, and provide the banking services
The Bank of Advance was established in 1902 to serve the financial needs of the community. Since that time, we've been investing in the area communities we serve to make them better places to live and work. Our high level of personal service and dedication is evident as we strive to satisfy our customers' financial needs & promote our communities.
