USDA Vs. FHA your options comparison in Centralia, Boone County, MO
In 2026, the USDA loan limit in Centralia, located in the county of Boone, MO, is $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.
Employ the Lendersa® USDA loan calculator to assess and compare the top USDA vs. FHA rates available today. Evaluate the necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a comprehensive view of USDA, FHA, Conforming, and VA loans side by side, guiding you to choose the best option for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Centralia, County of Boone, MO
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Solutions in Centralia, MO
The purpose of Lendersa® is to help you secure the most suitable USDA or FHA loan quickly and without stress. Choose one of three pathways that lead to matching lenders and appropriate USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is backed by the Department of Agriculture, and available only in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans require no down payment at all.
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