For the year 2026, the USDA loan limit applicable in Gladstone, located within the county of Clay, MO, is $345,000. Meanwhile, for single-family homes, the FHA loan limit stands at $472,030.
To compare the most favorable USDA and FHA rates currently offered, make use of the Lendersa® USDA loan calculator. This tool allows you to determine the necessary income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, enabling you to assess which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $345,000 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our primary aim is to quickly secure the most suitable USDA or FHA loan for you without any difficulties. Begin by choosing from one of three starting points, designed to connect you with lenders that offer USDA loan programs matching your criteria.
A USDA home loan, backed by the U.S. Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively available for rural areas. Unlike FHA loans that demand a minimum down payment of 3.5%, the USDA mortgage loan offers the distinctive benefit of requiring no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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