USDA and FHA Pro and Con in Fenton, St. Louis County, MO

For 2025, the USDA loan limit in Fenton, county of St. Louis, MO, is set at $0, while the FHA limit for a single-family home is $472,030.

Utilize Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best option for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Fenton, County of St. Louis, MO

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

Options for USDA and FHA Loans in Fenton, MO

Lendersa® aims to connect you directly with the best USDA or FHA loan, quickly and without hassle. Select one of three starting methods leading to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan, also referred to as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and specifically for rural areas. In contrast to FHA loans that demand a minimum of 3.5% down payment, USDA loans require no down payment at all.

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



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