FHA Vs. USDA loan program for El-Dorado-Springs, Cedar County, Missouri

In 2026, the USDA loan limit for El-Dorado-Springs, within Cedar county, MO, is $285,000, while the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates. Determine the necessary income, credit, reserves, and required documents for qualification. With our advanced mortgage calculator, see USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the most suitable program for your financial needs in .

USDA and FHA Loan Options in El-Dorado-Springs, MO

Lendersa® aims to connect you quickly with the best USDA or FHA loan, minimizing hassle. Select one of three initial options to find matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the government Department of Agriculture. It is available in rural areas exclusively, requiring no down payment—unlike FHA loans, which require a minimum of 3.5% down payment.

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El-Dorado-Springs Lenders
(417) 682-3348 Lender's profile and map Lamar Bank and Trust Company 1000 Broadway, Lamar, MO, 64759 Lends in Missouri Lamar Bank & Trust Company is a locally owned and operated full-service financial institution located in Lamar, Missouri. LBT is a leader in technology and is known for being one of the first banks in Missouri to offer e-statements. Internet banking and debit cards have been regular products of the bank for years.
(660) 679-3135 Lender's profile and map Community First Bank MO 915 W. Ft. Scott Street, Butler, MO, 64730 Lends in Missouri Community First Bank offers the deposit and loan services of a national brand with the convenience and customer service of a local community bank. The team members at CFB provide the tools necessary for our neighbors in the West-Central Missouri area to take charge of all aspects of their finance and lending needs.
(417) 525-4218 Lender's profile and map Southwest Missouri Bank 202 W High, Alba, MO, 64830 Lends in Missouri We are proud to be the largest locally owned community bank in southwest Missouri. It all began in Carthage, Missouri, when Garry Denney, along with seven other citizens, decided to start a new bank. The first Carthage branch opened in June, 1979, with one million dollars in assets and over the years we expanded into Joplin, Neosho, Jasper & Alba.
(417) 345-2251 Lender's profile and map O'Bannon Bank 1347 South Ash Street, Buffalo, MO, 65622 Lends in Missouri O’Bannon Banking Company was incorporated on November 20, 1905 as a Missouri State Bank with a mission of providing banking services with a personal approach to all of our customers, both business and individual. Our mission remains unchanged as we continue to provide "A Tradition of Personal Service” and a wide range of financial products.
(417) 831-4398 Lender's profile and map AGCU 1535 N. Campbell Ave, Springfield, MO, 65803 Lends in Missouri AGCU is a faith-based credit union, affiliated with the Assemblies of God since 1951. Our vision is to be the most relevant faith-based credit union in the world to our members, fellowship, communities, organization, and co-workers. AGCU provides banking options for individuals, families, businesses, nonprofits, and ministry organizations.