USDA and FHA Pro and Con in Festus, Jefferson County, MO
In 2026, the USDA loan limit for Festus, in Jefferson county, MO, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's USDA vs FHA rates and determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in suits your financial scenario best.
2026 loan limits and down payment requirements in Festus, Jefferson, MO
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA loan options in Festus, MO
Lendersa® aims to provide you with the best USDA or FHA loan swiftly and without hassle. Select one of three starting paths that match you with lenders and USDA loan programs.
A USDA home loan, supported by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans needing a 3.5% down payment, USDA loans require none.
The Bank of Tradition and Progress Founded in 1894 as The Bank of Otterville, our Bank has a long-standing tradition of providingMidwest Regional Bank is a Bank with operations in fifty states. Midwest Regional Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA and USDA mortgages
1108 North Truman Boulevard, Crystal City, MO, 63019
Lends in Missouri
Wright Financial Inc. has been in business for over 25 years with experience in the financial industry. Rex and Susan Wright are the owners of the company. We work on effective options, aimed at giving you the best solution. We operate in St. Louis and surrounding areas and specifically Jefferson County.
De Soto Mo Pac Credit Union, founded in 1939, is a federally insured, member-owned, not-for-profit financial institution. Our purpose is to promote the financial well-being of its members. We offer our members higher rates on savings, and lower rates on loans. One of our strengths has always been our care
Bloomsdale Bank Since opening our doors in 1914, Bloomsdale Bank has held the values of community, integrity, and sticking to what we know and doing it well. As one of the oldest community banks in Ste. Genevieve County, we understand the importance of treating our neighbors like family, making wise financial decisions.
Our mortgage professionals give you the individual service you deserve and treat you right. You are making a commitment in buying a house, refinancing a mortgage, or tapping into your home equity. So in turn, we make a commitment to you: we will help you qualify, apply and be approved for the best mortgage loan for you.
Genevieve Drive, Suite 871, Sainte Genevieve, MO, 63670
Lends in Missouri
MRV Banks is a locally owned, independent bank dedicated to serving consumers and small businesses throughout Missouri. Since our beginnings in 2007, we have been providing the best products and services for our customers while supporting the communities in which we work and live.
Patriot Credit Union has been providing fast, personal service to it's members for over 50 years. We are owned and operated exclusively for our members, providing service to our members is our main goal. Because we are owned by our members, we can not be bought out by another financial institution.
