USDA and FHA Pro and Con in Crystal-City, Jefferson County, MO

In 2025, the USDA loan limit for Crystal-City, situated in the county of Jefferson, MO, is set at $285,000, whereas the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to assess the top USDA vs. FHA rates today. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, enabling you to choose the best program for your precise financial situation in .

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Crystal-City, County of Jefferson, MO

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Alternatives in Crystal-City, MO

Lendersa® aims to provide you with the optimal USDA or FHA loan quickly and with ease. Begin with one of three pathways that lead to matching lenders and potential USDA loan solutions.

Lendersa USDA loan request and matching results

Defining USDA Loans in MO

A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the government through the Department of Agriculture and is available solely in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans need no down payment whatsoever.

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



  • East Coast Mortgage Lending
  • 10724 Carmel Commons Blvd, Unit 550, Charlotte, NC, 28226
  • East Coast Mortgage Lending is a full-service mortgage company located in Charlotte, NC. We provide Purchase, Refinance, Debt Consolidation, Commercial and Construction Loans in North Carolina and South Carolina. Since we started this company in 2005 we have had the privilege of helping thousands of families
  • Admiral Home Mortgage
  • 7300 Carmel Executive Park Dr, Suite 320, Charlotte, NC, 28226
  • Admiral Home Mortgage, we strive for nothing less than 100% customer satisfaction and will go above and beyond the call of duty to achieve that. Our service and attention to detail stands alone. Admiral Home Mortgage’s loan process is quick and easy. We will always provide more than one option for our clients.
  • LemonBrew
  • 8008 Corporate Center Dr, Suite 206, Charlotte, NC, 28226
  • LemonBrew Technologies is an innovative, full-service platform consisting of four verticals (LemonBrew Real Estate, LemonBrew Lending, LemonBrew Abstract, and LemonBrew Insurance) that streamlines the real estate process from start to finish.LemonBrew is an end-to-end digital solution that connects home buyers.
  • Lowery Financial LLC
  • 6116 North Tryon Street, Suite B, Charlotte, NC, 28213
  • 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.
  • Lane Lending Inc
  • 5736 North Tryon Street, Suite 201E, Charlotte, NC, 28213
  • Lane Lending Inc. is a mortgage brokerage based in Charlotte, NC. Licensed in NC and SC, we specialize in offering residential lending solutions for purchase and refinance transactions. With access to hundreds of lenders and programs, Lane Lending Inc. ensures you feel confident that you will always get the best rate.
  • Rebecca Richardson | The Mortgage Mentor
  • 4064 Colony Road, Charlotte, NC, 28211
  • REBECCA'S passion in life is helping fulfill her client’s dreams of home ownership. Buying a house can be exciting, and the mortgage process can seem daunting. Staying focused on clients' needs, Rebecca provide consultation and information on the appropriate mortgage strategy to meet your goals.
  • Wyndham Capital Mortgage
  • 4064 Colony Rd, Floor 2, Charlotte, NC, 28211
  • Wyndham Capital Mortgage’s corporate culture empowers our employees. We strive to facilitate a greater sense of purpose in your jobs and lives, and your involvement will translate directly into continuous improvement in our systems and processes. In an empowered organization, you bring your best ideas
  • Mortgage Lending Enterprises, LLC
  • 1508 Flamingo Road, Gretna, LA, 70056
  • At Mortgage Lending Enterprises, LLC (MLE) we have a passion for real estate and making all of our clients extremely satisfied! Specializing in residential and commercial lending we can help make investors’ dreams come true. Offering hard money and private lending in over 45 states!
  • Absolute Mortgage & Lending
  • 540 Lapalco Blvd, Gretna, LA, 70056
  • We have built a strong reputation as an outstanding mortgage banking firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. mortgage banking firm, serving the lending needs of real estate professionals, builders. We're a full service mortgage banker with an experienced staff