USDA VS FHA in Fulton, Callaway County, MO

In 2026, for Fulton in the county of Callaway, MO, the USDA loan limit is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to compare today’s top USDA vs FHA rates and assess the income, credit, reserves, and paperwork required for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in best suits your financial needs.

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2026 loan limits and downpayment requirements in Fulton, Callaway, MO

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

Discover USDA and FHA loan options in Fulton, MO

Lendersa® aims to promptly connect you with the optimal USDA or FHA loan options, without hassle. You can choose one of three initial steps that align you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan, supported by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. In contrast to FHA loans that require a minimum down payment of 3.5%, 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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