USDA Vs. FHA Pro and Con comparison in Crestwood, St. Louis County, MO

For 2026, the USDA loan limit in Crestwood, St. Louis county, MO is $0. Meanwhile, the FHA limit for a single-family home is $472,030.

Use Lendersa® USDA loan calculator to evaluate today’s top USDA vs FHA rates, determining essential income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator offers side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you select the best option for your financial circumstances in .

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2026 loan limits and downpayment requirements in Crestwood, St. Louis, MO

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA loan options in Crestwood, MO

The goal of Lendersa® is to provide you with the best USDA or FHA loan swiftly and without any hassle. Select one of three starting paths that connect you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

The USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and it is available strictly in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none.

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



Crestwood Lenders

  • Alternative Mortgage Solutions Inc
  • 10000 Watson rd, Suite 2-L-13, Saint Louis, MO, 63126
  • Lends in Missouri
  • We are a Missouri licensed mortgage broker located in St. Louis. We provide mortgages for Purchase and refinancing. FHA and VA loans are available and also We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms.

  • Superior Mortgage Solutions Inc.
  • 50 Crestwood Executive Center, Suite 30, Saint Louis, MO, 63126
  • Lends in Missouri
  • At Superior Mortgage Solutions Inc. We are a full service mortgage company based in Saint Louis, Missouri. We specialize in FHA Mortgages, VA Loans, USDA, Jumbo and Conventional Mortgage Loans in Saint Louis. We also serve the surrounding cities in Saint Louis County. Whether you are buying a home or refinancing in our neighborhood

  • LutheranFCU
  • 10733 Sunset Office Drive, Suite 406, Saint Louis, MO, 63127
  • Lends in Missouri
  • We have all the products you would expect of large financial institutions, and the personal service you want. And whether you are opening LCMS organization or personal accounts, you will find accounts with no maintenance or annual fees, exceptional online access, remote deposit capability, and for personal loans, excellent rates.

  • IMS Mortgage Services LLC
  • 3636 S Geyer Rd, Saint Louis, MO, 63127
  • Lends in Missouri
  • At IMS Mortgage Services, we are committed to our values of service, empowerment & accountability. These values are not only for our customers, but for each other as well. We are the best mortgage professionals in the industry bar none.We do things faster & less expensive than our competition & quite frankly, we simply do what others only promise.

  • Essex Residential Mortgage LLC
  • 3770 S. Lindbergh Blvd, Suite 101, St. Louis, MO, 63127
  • Lends in Missouri
  • We're committed to helping you find the right mortgage product for your needs. Every borrower, and every loan is different. We're small enough to have the flexibility needed to get your loan closed, but large enough to offer a wide variety of loan programs and customized options to meet all your needs.

  • Gateway Metro Federal Credit Union
  • 35 Grasso Plz, Missouri, MO, 63123
  • Lends in Missouri
  • Gateway Metro Federal Credit Union (GMFCU) is one of few federal credit unions in the St. Louis area. We pride ourselves on offering a wide range of financial products and services to meet our members’ needs at any stage of life. GMFCU is part of the CO-OP® network giving our members access to over 30,000 fee-less ATMs and 5,000 shared branches acr

  • 123 Mortgage LLC
  • 7514 Big Bend Blvd, Saint Louis, MO, 63119
  • Lends in Missouri
  • "123 Mortgage, we offer a full range of loan products whether you are making a purchase or would like to learn more about refinancing, our team of experienced mortgage professionals have you covered! Explore our customizable loan programs to learn more.
    Fixed Rate Mortgages
    FHA Streamline Financing
    Cash Out Mortgage
    Conventional Loans
    Re

  • Mortgage Solutions of St. Louis
  • 9849 Manchester, Suite 3, Saint Louis, MO, 63119
  • Lends in Missouri
  • Mortgage Solutions of St Louis is owned and operated right here in St. Louis, MO. Co-owners Paul and Steve LaVigne entered the mortgage field in 1999. The twin brothers, both CPAs, bring a very unique background to the table which has led to Mortgage Solutions becoming one of the leading St. Louis mortgage companies.

  • Members 1st Credit Union
  • 4702 Mattis Road, Saint Louis, MO, 63128
  • Lends in Missouri
  • Members 1st Credit Union was chartered in 1951 as a member-owned, not-for-profit financial cooperative with staff and management committed to serving members' financial needs. All members share in the net profits of the credit union by receiving dividends on their savings. These savings, in turn, are pooled to make low-cost loans to fellow members.