In 2026, the USDA loan limit for De-Soto in the county of Jefferson, MO, is $285,000, whereas the FHA limit for a single-family dwelling is $356,362.
Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Identify the income, credit, reserves, and necessary documents required for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, helping you select the best-fit program for your financial situation in Alabama.
2026 Loan Limits and Down Payment Requirements in De-Soto, 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 Selections in De-Soto, MO
Lendersa® aims to provide you with optimal USDA or FHA loans swiftly and without hassle. Choose one of three strategies that guide you to matching lenders and appropriate USDA loan programs.
A USDA home loan is a government-backed loan provided by the Department of Agriculture, also known as a USDA rural development loan or mortgage. It is available only in rural communities. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.
De Soto Mo Pac Credit Union, founded in 1939, is a federally insured, member-owned, not-for-profit financial institution. Our purpose is to promote the financial well-being of its members. We offer our members higher rates on savings, and lower rates on loans. One of our strengths has always been our care
The Bank of Tradition and Progress Founded in 1894 as The Bank of Otterville, our Bank has a long-standing tradition of providingMidwest Regional Bank is a Bank with operations in fifty states. Midwest Regional Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA and USDA mortgages
1108 North Truman Boulevard, Crystal City, MO, 63019
Lends in Missouri
Wright Financial Inc. has been in business for over 25 years with experience in the financial industry. Rex and Susan Wright are the owners of the company. We work on effective options, aimed at giving you the best solution. We operate in St. Louis and surrounding areas and specifically Jefferson County.
Bloomsdale Bank Since opening our doors in 1914, Bloomsdale Bank has held the values of community, integrity, and sticking to what we know and doing it well. As one of the oldest community banks in Ste. Genevieve County, we understand the importance of treating our neighbors like family, making wise financial decisions.
Southeast Missouri Community Credit Union is a not-for-profit financial cooperative dedicated to serving our member owners by putting their needs first.
Leadco Community Credit Union operates for the purpose of promoting thrift among its members, providing a source of funds where loans may be secured at a guaranteed low rate of interest, and assisting members in the management of their financial affairs. Credit Union operates for the purpose of promoting thrift among its members,
Our mortgage professionals give you the individual service you deserve and treat you right. You are making a commitment in buying a house, refinancing a mortgage, or tapping into your home equity. So in turn, we make a commitment to you: we will help you qualify, apply and be approved for the best mortgage loan for you.
Jefferson Bank & Trust was organized & incorporated in Missouri on July 20, 1892. It was one of the earliest neighborhood banks in the City of Saint Louis.The bank’s 1st location was at the Northwest corner of Jefferson and Franklin. Over the last century, Jefferson Bank and Trust has earned an enviable reputation.
