USDA Vs. FHA Pro and Con comparison in Cottleville, St. Charles County, MO

In 2025, USDA loan limit in Cottleville, county of St. Charles, MO is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Cottleville, county of St. Charles, 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 options in Cottleville, MO

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Missouri?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Ukrainian Selfreliance Michigan Federal Credit Union
  • 26791 Ryan Road, Warren, MI, 48091
  • USMFCU has been serving its communities since 1952 and has never stopped putting its members first. Throughout our operation we’ve been committed to bringing great financial services to our members while never sacrificing genuine care and interaction. On top of offering great rates, deals, and services
  • Health Advantage Credit Union
  • 4550 State St, Saginaw, MI, 48603
  • Health Advantage Credit Union offers a wide range of financial services to employees, independent contractors or self-employed persons who regularly work in Healthcare Industry in the State of Michigan.Also, spouses of persons who have died while within the Healthcare Industry; employees of the credit union; retirees from the healthcare industry.
  • Jolt Credit Union
  • 6180 State St., Saginaw, MI, 48603
  • Formerly Catholic Federal Credit Union, as Jolt Credit Union our commitment to this community, our members & our values is a reflection of all that has come before.Originally chartered in 1956 to serve parishioners of St. Mary's Cathedral Federal Credit Union in Saginaw, Mi, Jolt Credit Union continues to be bolstered by our longstanding philosophy
  • Legacy Mortgage Services
  • 6425 Youree Drive, Suite 100, Shreveport, LA, 71105
  • "We started with a very simple idea at Legacy Mortgage – Exceed our customers’ expectations. Legacy Mortgage is a member of the Eustis Family of Companies which allows us to focus on our customer with a strong history of helping homeowners. Our company was established with a mission to fulfill two goals that all great organizations have in com
  • Prudent Mortgage LA LLC
  • 7591 Fern Avenue, Suite 1802, Shreveport, LA, 71105
  • There is no bigger investment you will make than purchasing your home. Prudent Mortgage LA primary focus is to administer an unrivaled experience to our clients, facilitating and acquiring financing with a personalized concierge approach. We have created and optimized our systems and work-flow to create and increase efficiency in the loan process.
  • Pierremont Mortgage
  • 6425 Youree Drive, Suite 590, Shreveport, LA, 71105
  • Pierremont Mortgage brings over 28 years of experience and stability in the Louisiana marketplace and has complete access to the best mortgage products. Combining leading technology with our expertise enables us to deliver a seamless mortgage process. Pierremont Mortgage offers many financing programs including Conventional,
  • LITTON MORTGAGE, INC.
  • 7607 Fern Avenue, Suite 1102, Shreveport, LA, 71105
  • We offer Competitive Interest Rates, Low Closing Costs, and Quick Turn Times. Our job is to serve you personally. Call or stop by our office today and let one of our Loan Professionals serve you. We look forward to hearing from you soon! A home loan is one of the biggest financial decisions that you will make,
  • ANECA Federal Credit Union
  • 4361 Youree Dr., Shreveport, LA, 71105
  • ANECA Federal Credit Union has been serving the Shreveport/Bossier City area since 1939. While we do offer a variety of products and services, it is our commitment to financial well-being that makes us unlike any other financial institution. Our members are part of our family. We believe that by improving their financial lives we are helping our co
  • STREBER MORTGAGE LLC
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  • 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.
  • Brown Mortgage Group LLC
  • 123 Marlow Drive, Woodstock, GA, 30188
  • Brown Mortgage Group, LLC we are dedicated to making your mortgage experience your best yet. With years of experience and expertise, we pride ourselves on being some of the best professionals in the industry. We specialize in a variety of loan programs and have mastered the most complex loan types.
  • Waterside Mortgage
  • 375 Parkway 575, Suite 240, Woodstock, GA, 30188
  • Waterside Mortgage came together with a determination to bring a knowledgeable and refreshing approach to mortgage lending. Our loan officers and staff are the key to cultivating a positive experience in the loan origination process. Application, Underwriting, and closing our staff will be there to educate and guide you through the process.
  • Cedar Mill Mortgage
  • 1600 River Park Blvd, Suite 201, Woodstock, GA, 30188
  • Cedar Mill Mortgage was founded in 1996 ; we are a full service mortgage broker and a Georgia Residential Mortgage licensee specializing in mortgage loans in the state of Georgia. We are proud members of the Better Business Bureau and the National Association of Mortgage Brokers.