USDA VS FHA in Columbia, Boone County, MO

For 2025, 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.

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2025 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.

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Understanding USDA Loans in MO

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.

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



  • Residential Funding Consultants LLC
  • 111 Village Parkway NE, Bldg 2, Suite 100, Marietta, GA, 30067
  • Residential Funding Consultants provide lending knowledge to best suit your current needs. With over 15 years of experience, our Consultants have excelled in both good and poor economic times by adapting with the changing markets and searching out the best solutions for their clients.
  • STONE OAK MORTGAGE LLC
  • 2470 Windy Hill Rd, Suite 211, Marietta, GA, 30067
  • STONE OAK MORTGAGE LLC IS a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending…from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates
  • First Community Bank of Central
  • 715 Wilson St Wetumpka, Wetumpka, AL, 36092
  • First Community Bank of Central Alabama is a commercial Bank that has been open since August, 2001. We currently have offices in Wetumpka, Millbrook, Eclectic, Prattville, Tallassee, and Holtville. We also operate a Wealth Management Division and a full-service mortgage company, First Community Mortgage. It is our belief that a community is best
  • Camp Shelby Federal Credit Union
  • Warehouse Avenue, Building 82, Camp Shelby, MS, 39407
  • Camp Shelby Federal Credit Union is a not-for-profit, member owned financial institution. Its mission is to serve members’ needs by encouraging savings and offering a reasonable rate of return. The Camp Shelby Federal Credit Union seeks to provide the best possible financial services to its members while maintaining its financial stability.
  • Piedmont Capital Lending
  • PO Box 1578, Roswell, GA, 30077
  • Piedmont Capital Lending provides short-term real estate secured loans for all types of commercial and residential use and all types of credit profiles. We provide speed and flexibility in financing that traditional banks cannot offer. Our loans are funded in-house, which means you get your money fast and at preferred rates.
  • Buckeye Community Bank
  • 105 Sheffield Center, Lorain, OH, 44055
  • Founded in 1999, Buckeye Community Bank was created as an independent, locally owned community bank positioned to serve the local business community better than any other bank. Through relationships built with trust and service, we work with our clients to ensure that they can grow.
  • STREBER MORTGAGE LLC
  • 129 Frazier, Red House, WV, 25168
  • 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.
  • Nebraska State Bank
  • 218 Main Street, Oshkosh, NE, 69154
  • In the last 100 years, Nebraska State Bank has gone from an ag bank serving farmers in Western Nebraska, to an FSA loan specialist serving ag operations nationwide. And when you meet our lobby staff, you’ll find competent, friendly folks who take pride in knowing our customers, and take care of you like you’re our own.
  • BATES MORTGAGE GROUP LLC.
  • 3200 Highlands Parkway SE, Suite 105, Smyrna, GA, 30082
  • Bates Mortgage Group LLC. is a Correspondent Lender licensed in 23 states that provides residential mortgage & Commercial loans for purchase and refinance. We offer all the familiar home loan programs such as Conventional, FHA, VA, Jumbo & USDA loans along with several specialty type mortgage programs.
  • The Citizens National Bank of McConnelsville
  • 100 East Main St, Mcconnelsville, OH, 43756
  • Citizens National Bank of McConnelsville was founded in 1886. Located in the historic Stanbery Building in downtown McConnelsville, CNB has been a central part of our community for over 125 years. While banking has undergone many changes over the last century, CNB continues to provide its customers with the latest banking technology