USDA VS FHA in Fulton, Callaway County, MO

In 2025, 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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2025 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?



  • House of Professionals Inc
  • 14363 Torrey Chase, Suite F-1, Houston, TX, 77014
  • We have been in the real estate/mortgage industry for 33 years. I can help direct you on the best plan for you with your current financial status mixed with your future plans. We offer different financial solutions and sometimes can even help you if you were turned down from a different company. Don't go home shopping without knowing.
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  • 411 Mcmurray Road, Suite 200, Bethel Park, PA, 15102
  • Brentwood Bank is a full service Community Bank in the South Hills communities of Pittsburgh, as well as Beaver County. For more than 95 years, we've operated on the principal that banking is a people business. We take pride in maintaining longstanding traditions of strength, service and trust.
  • Pennsylvania-American Water Federal Credit Union
  • 6050 Library Road, Bethel Park, PA, 15102
  • At Pennsylvania-American Water Federal Credit Union. We offer numerous services for all your financial needs. A warm welcome is extended to all our prospective new members. Hopefully we can provide a pleasant & profitable place for you & your family to save & borrow money. We are a Federally insured credit union originally chartered in 1974.
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  • 10455 Perry Highway, Wexford, PA, 15090
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  • US Mortgage Network
  • 3001 Village Run Rd., Wexford, PA, 15090
  • US Mortgage Network. We’ve been helping clients obtain home loans and refinance existing mortgages since 1997. We promise to treat you like a person with a dream—and not a number on a piece of paper. We’re known for our out-of-this world customer service. Our clients return again and again for their home loans over the years.
  • Kash Mortgage Group, Inc
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  • Stanford Funding
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  • United Community Credit Union
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  • The Chappell Hill Bank was chartered in 1907 and has operated continuously in the same location in Washington County since its inception. The Bank was originally chartered as Farmers State Bank on September 1907. In 1989 the Articles of Association were officially amended to change the name from Farmers State Bank to Chappell Hill Bank.