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.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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