USDA Vs. FHA Pro and Con comparison in Eureka, St. Louis County, MO

In 2025, the USDA loan limit in Eureka, located in St. Louis county, MO, is $0. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today’s best USDA vs FHA rates, determining the income, credit, reserves, and documentation needed to qualify. Our comprehensive mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the most suitable option for your financial needs in .

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2025 loan limits and downpayment requirements in Eureka, St. Louis, MO

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discovering USDA and FHA loan options in Eureka, MO

The aim of Lendersa® is to connect you swiftly with the best USDA or FHA loan without hassle. Select one of three starting options to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan is a government-guaranteed mortgage by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans require none.

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



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