USDA Vs. FHA your options comparison in Holts-Summit, Callaway County, MO
In 2026, the USDA loan cap in Holts-Summit, situated in Callaway county, MO, is $285,000. The FHA limit for a single-family home is $356,362.
The Lendersa® USDA loan calculator helps compare the best current rates for USDA vs. FHA loans. It evaluates the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the best option for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Holts-Summit, County of Callaway, 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 Choices in Holts-Summit, MO
The aim of Lendersa® is to quickly connect you with the best USDA or FHA loan, minus the hassle. Choose from three initial steps leading to matched lenders and USDA loan opportunities.
A USDA home loan, backed by the Department of Agriculture, is available in rural areas only. Unlike FHA loans requiring a 3.5% down payment, USDA loans need no down payment.
910 Weathered Rock Road, Jefferson City, MO, 65101
Lends in Missouri
MIB is proud to be able to assist community banks with their lending needs! Our loan team is comprised of individuals specializing in many different areas of lending. Our experienced staff will deliver exceptional customer service in a very professional manner and also MIB is a “bankers’ bank” which provides a wide array of correspondent banking se
Missouri Baptist Credit Union has been open since 1963. The credit union has assets totaling $9.03 Million and provides banking services to more than 1, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
2722 East McCarty Street, Jefferson City, MO, 65101
Lends in Missouri
MECE Credit Union are not sponsored by Facebook or any other business. Employees, their immediate family members, and the Board of Directors of the Credit Union are not eligible for any prizes. All entrants must be members in good standing with the Missouri Electric Cooperatives Employees' Credit Union to be eligible for the drawing.
Founded in 1865, Hawthorn Bank has proudly served Missouri families and small businesses for more than 150 years. A strong supporter of our local communities, we are an advocate for schools, charities, and civic groups in all of our markets. We promote the economic development of our communities
Farmers Bank of Lohman is a community-oriented financial institution serving the Lohman and St. Martins, Missouri areas. The original incorporation of the Bank consisted of 100 shares of $100 par value purchased by investors from the local community of Lohman. We remain locally owned and operated and the descendants.
2915 W Truman Boulevard, Jefferson City, MO, 65109
Lends in Missouri
Since 1955, Conservation Employees’ Credit Union (CECU) has existed as a financial institution owned by those people who save, borrow, and invest together as credit union members. As the credit union offers excellent returns on savings and low loan rates, each member has the opportunity to achieve greater stability and success.
At Jefferson Bank, we think banking should be personal. And we like working with you. That's why customer service is so important to us. We're a team dedicated to serving you. You can count on our professionalism and discretion in handling all of your financial needs. Feel free to contact us with any question or concern.
Purchasing a home is a big financial decision. We are dedicated to making sure whichever path you take, the road to your new home is an easy one! At Accord Mortgage, we are proud to offer loans of all types to all of Missouri and are dedicated to finding a solution that is perfect for you and your lifestyle. Let us help you find the loan
River Region Credit Union is a financial cooperative, owned and operated by its members, existing to encourage growth and better service through education and membership participation. The Credit Union will offer regular savings at competitive rates, promote thrift, quality loans at reasonable rates.
