USDA and FHA Pro and Con in Columbia, Boone County, MO
For 2026, the USDA loan limit in Columbia, within Boone county, MO, is $336,500, whereas the limit for FHA is $472,030 for a single-family home.
Utilize the Lendersa® USDA loan calculator to explore and compare the most favorable USDA and FHA rates today. Determine the necessary income, credit score, reserves, and required documents for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you to choose which program in best suits your financial needs.
2026 Loan Limits and Down Payment Requirements in Columbia, Boone County, 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 Opportunities in Columbia, MO
The mission of Lendersa® is to provide you with the best USDA or FHA loans quickly and hassle-free. Choose from one of three starting options that connect you with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the government's Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is solely available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment at all.
We take great pride in the more than 70 years of banking expertise and customer service we have provided.
At Neighbors Bank, our mission is to understand what you need and what’s important to you. We want to be at your side to help you strengthen your financial future and achieve your goals.
"Pioneer Mortgage, Inc. is committed to being your personal mortgage broker.
We understand that you are not like every other borrower, so we offer solutions that fit your needs.
We also value the chance to earn your trust. Through our experience, our knowledge, and our passion for service, we offer you the one-on-one touch that you deserv
Shelter Insurance Federal Credit Union was chartered by the State of Missouri in 1958 to serve its members in financial matters—to promote thrift among members by providing an opportunity to accumulate savings and a source of credit at fair and reasonable rates. The Credit Union received a federal charter in 1979,
Minnow Loan is a team of real estate professionals striving to provide investors access to the quick cash they need to grow their investment portfolio. Our small office allows us to provide creative lending strategies and the ability to act quickly. Our Fix and Flip, Bridge, and Long-Term Rental (DSCR) loan options offer the powerful leverage and s
Columbia Credit Union is unique. Not-for-profit and member-owned since 1935, we are dedicated to satisfying our members' needs. You'll appreciate our friendly service, low interest loans, high-yield savings accounts, and convenient 24-hour account access services. It's what makes us different and better than other financial institutions.
The Callaway Bank is a locally owned, community bank whose goal is to help improve the financial life of our personal and business clients: We're With You For The Moments That Matter & also They can be really big like starting a business or buying a home. They can be small like dinner with friends or treating your team to lunch for a great quarter.
We’re all about helping Veterans and military families become homeowners. In two short decades, we’ve closed over 500, 000 VA Loans and became the #1 VA purchase lender in the nation.
But to us, success isn’t measured in numbers. Our success is measured in living our values every day
3401 W. Broadway Business Park Ct, Suite 213, Columbia, MO, 65203
Lends in Missouri
Mid-Continent Funding offers mortgage products for home buyers. Working alongside several of today’s lenders gives us the capability to offer products that allow borrowers: Minimum down payments First time buyer benefits Program options for high debt-to-income ratios and low credit Refinancing opportunities To lower your monthly payments
3401 W. Broadway Business Park Ct, Suite 213, Columbia, MO, 65203
Lends in Missouri
We pride ourselves on giving the best customer service in the industry. Unlike some competitors, you will work with the same person from your first call to the closing of your VA-backed loan. Your loan officer will be available to you at any point in the loan process should any question or concern arise.
