USDA Vs. FHA your options comparison in Ellisville, St. Louis County, MO

For 2025, the USDA loan cap in Ellisville, within St. Louis County, MO, is $0. In contrast, the FHA limit for a single-family dwelling stands at $472,030.

Employ the Lendersa® USDA loan calculator to measure today's leading USDA versus FHA rates, and ascertain the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA products side by side, aiding in finding the best-fit program for your situation in .

Compare loan options from 100 lenders

2025 Loan Limits and Downpayment Requirements in Ellisville, St. Louis County, 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 Opportunities in Ellisville, MO

The aim of Lendersa® is to swiftly provide you with the best USDA or FHA loan, without hassle. Start with one of three different paths to connect with matching lenders and explore suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan, backed by the U.S. Department of Agriculture, also termed as a USDA rural development loan or USDA mortgage, is exclusively available in rural regions. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment, offering a compelling choice for eligible buyers in those areas.

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



  • CHERIX
  • 177 E Colorado Blvd, Pasadena, CA, 91105
  • Simple, affordable, reliable. Cherix will find you the home loan at the lowest cost possible. Whether you’re looking to buy your first home or refinance your existing mortgage, talk to our mortgage specialist today and let us help you! We provide customized mortgage solutions based on your situation.
  • LA Financial Credit Union
  • 177 E Colorado Blvd, Pasadena, CA, 91105
  • LA Financial Credit Union was founded in 1937 in order to provide L.A. County employees with a safe, convenient place to save as well as to borrow - a financial institution dedicated to their best interest.Credit Union was founded in 1937 in order to provide L.A. County employees with a safe, convenient place to save as well as to borrow
  • Cinch Mortgage
  • 107 South Fair Oaks Avenue, Suite 225, Pasadena, CA, 91105
  • Cinch Real Estate + Mortgage is a full-service brokerage that helps homebuyers, homeowners, and investors stay ahead of the curve to maximize their investment potential. Whether you're a first time home buyer or have been through this before - our job is to streamline the real estate and mortgage process in order to make your dreams come true.
  • Elite Class Lending
  • 1492 W. Colorado Blvd, Suite 270, Pasadena, CA, 91105
  • Maria Teresa Isaza the sole owner and broker of Elite Class Realty Inc. She have more than 20 years of experience in this industry, with most of her business coming from a strong referral source She have built over the years, taking her all over Southern California. Maria have experience in both residential and commercial sales.
  • Priority One Credit Union
  • 1631 Huntington Dr, South Pasadena, CA, 91030
  • Our mission To help our member-owners and employees achieve financial fitness. We are committed to providing quality products and services that help you win with money We are proud to say that your Credit Union is financially strong and has a great future.We wonder if the first 17 members ever envisioned that we would grow to become a $207 million.
  • Huntington Group
  • 305 Pasadena Avenue South, South Pasadena, CA, 91030
  • Huntington Group is A Full Service Real Estate and Mortgage Company. Huntington Group seeks to assist potential clients with prequalification, Real Estate and mortgage services. In addition, Huntington Group can assist potential clients with Bridge or Hard Money Financing. Huntington Group serves all of Southern California.
  • Acacia Mortgage Corporation
  • 815 Fair Oaks Ave, South Pasadena, CA, 91030
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs & most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
  • Huntington Mortgage
  • 305 Pasadena Avenue South, South Pasadena, CA, 91030
  • Huntington Mortgage is your premier mortgage team located in South Pasadena, California. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the State of California.
  • Journey Mortgage Advisors, Inc
  • 99 Pasadena Avenue, Suite 10C-A, South Pasadena, CA, 91030
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Equity Smart Home Loans
  • 1499 Huntington Dr, Suite 500, South Pasadena, CA, 91030
  • We believe that life is all about the journey. Buying a home is the start of an exciting beginning that leads to financial independence & personal fulfillment. However making the right choice isn’t so obvious. We help by making the loan process simple and easy to understand so that getting a loan or refinance is just another step