In the year 2025, the USDA loan limit within Cottleville, county of St. Charles, MO, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
To evaluate today's top USDA versus FHA rates, use the Lendersa® USDA loan calculator. This helps determine the necessary Income, credit, reserves, and documents for eligibility. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, enabling you to decide which option is optimal for your financial situation in
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| Type of Loan | Loan Limit | Initial Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is dedicated to swiftly connecting you with the best USDA or FHA loan without complications. Choose from three different starting points to align with lenders and discover suitable USDA programs.
A USDA home loan is a government-backed mortgage offered by the U.S. Department of Agriculture, known as a USDA rural development loan. Exclusively available in rural areas, it contrasts with FHA loans, which require a minimum down payment of 3.5%. USDA loans, however, require no down payment, providing distinct opportunities for eligible applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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