USDA VS FHA in High-Ridge, Jefferson County, MO

In 2025, the USDA loan limit in High-Ridge, county of Jefferson, MO, is $285,000. The FHA limit for a single-family home stands at $356,362.

Use the Lendersa® USDA loan calculator to compare today’s best USDA vs. FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. With our advanced calculator, see USDA, FHA, Conforming, and VA loans side by side, helping you decide the best option for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in High-Ridge, County of Jefferson, MO

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Alternatives in High-Ridge, MO

Lendersa® seeks to secure you the optimal USDA or FHA loan quickly and without hassle. Start with one of three pathways, leading to matching lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is offered only in rural areas. While FHA loans require a minimum 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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