USDA Vs. FHA Pro and Con comparison in Herculaneum, Jefferson County, MO
In 2025, within Herculaneum, county of Jefferson, MO, the USDA loan limit is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to see today's USDA vs. FHA rates. Determine essential income, credit needs, reserves, and documents required for qualification. Our advanced calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, ensuring you select the best fit for your financial needs in .
2025 Loan Limits and Downpayment Requirements in Herculaneum, County of Jefferson, MO
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Herculaneum, MO
Lendersa® aims to effectively connect you to the best USDA or FHA loan without hassle. Choose from three starting points that lead to matched lenders and USDA loan offerings.
A USDA home loan, known also as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and limited to rural areas. These loans need no down payment, unlike FHA loans which require at least 3.5% down.
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