USDA VS FHA in Farmington, St. Francois County, MO

For 2025, the USDA loan limit in Farmington, which is in St. Francois County, MO, is $336,500, whereas the FHA limit for a single-family home stands at $472,030.

Leverage Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates and see which aligns best with your needs. Determine essential income, credit, reserves, and documentation required for qualification. With our sophisticated mortgage calculator, you'll easily compare USDA, FHA, Conforming, and VA loans side-by-side, guiding you to the optimal program for your financial standing in .

Explore 100 lenders to compare loan options

2025 Loan Limits and Down Payment Needs in Farmington, St. Francois County, MO

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Possibilities in Farmington, MO

Lendersa® strives to secure the best USDA or FHA loan for you swiftly and with ease. Start by choosing one of three options aimed at matching you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan, guaranteed by the Department of Agriculture, otherwise known as a USDA rural development loan or USDA mortgage, is available solely for rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA mortgages require no down payment whatsoever.

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



  • Barr Group Mortgage
  • 1703 Gulf Shores Parkway, Gulf Shores, AL, 36542
  • The Barr Group Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • New Orleans Firemen's Federal Credit Union
  • 4401 W Napoleon Avenue, Metairie, LA, 70001
  • New Orleans Firemen’s Federal Credit Union is a full-service financial institution serving over 26, 000 members and more than 300 business partners across Louisiana and Mississippi, and the second oldest federally insured credit union. As a certified Community Development Financial Institution (CDFI).
  • Sterling Financial Services, LLC
  • 4520 York Street, Metairie, LA, 70001
  • The Sterling Financial Services, LLC Team is your premier mortgage team located in Metairie, Louisiana. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Metairie area.
  • Citizens Bank & Trust Co
  • 102 Main St South, Hutchinson, MN, 55350
  • Citizens Bank and Trust, your hometown bank since 1886. We are proud to provide personal banking, commercial banking, agricultural banking, and mortgage lending to Hutchinson and the surrounding area. As one of the few remaining independent banks, we can provide you with fast and flexible service that is unmatched by others.
  • Maple Bank
  • 11660 Theatre Drive North, Champlin, MN, 55316
  • A customer-focused community bank serving businesses and individuals. We build relationships that are built on value and service. Our focus is to meet our customer's needs, whether it be one of our wide array of banking products, business information or advice, or a referral to a trusted business resource.
  • Fairway Financial Services, Inc.
  • 11165 Zealand Ave N, Champlin, MN, 55316
  • Fairway Financial Services, Inc. is a full service mortgage brokerage committed to helping you find the right mortgage product for you. We understand that every borrower is different, and we offer a variety of products to meet your individual needs. We make the process of securing a mortgage simple and straightforward.
  • MGM Mortgage Company
  • 3601 Green Road, Suite 310, Beachwood, OH, 44122
  • MGM Mortgage has focused on providing attentive customer service to borrowers throughout their loan process- it’s what we stand for. Nothing is more important when financing a home, than how you do it. The best financial solutions complement your current budget and can be easily adjusted when your situation changes.
  • CREFCO Financial Group
  • 23215 Commerce Park, Suite 108, Beachwood, OH, 44122
  • CREFCO Financial Group is an Ohio based Mortgage Company that specializes in providing competitive loan programs for home purchases and refinances; including USDA ‘Zero Money Down’ loans, FHA, VA, and Conventional loan programs. Our experts are licensed, educated, and experienced leaders in the industry, and devoted to analyzing