USDA VS FHA in Holts-Summit, Callaway County, MO

In 2025, 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 .

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

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.

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



  • Edwards Financial Services
  • 215 West Giaconda Way, Suite 107, Tucson, AZ, 85704
  • Edwards Financial Services, matching people with the right types of loan packages is what we do. We'll start you out with an in-depth consultation, getting the information we need so we can get to work for you. Based on your financial situation, we'll discuss the different options with you and explain the characteristics of each.
  • Priority Lending, LLC
  • 8035 N Oracle Rd, Tucson, AZ, 85704
  • Since 1997 we have been providing mortgage lending and home loans in Tucson. Tucson can trust people like you to help fulfill their dreams. We are the most trusted mortgage lender Tucson has. Priority Lending LLC provides the most options to assure you get exactly what you need. We do home loans Tucson needs in easy to understand terms.
  • Commerce Bank of Arizona
  • 3805 East Broadway Boulevard, Tucson, AZ, 85716
  • Commerce Bank of Arizona, established in 2002 in Tucson, Arizona, is a full-service community bank that caters to small-to mid-sized businesses and real estate professionals. CBAZ offers commercial clients with a variety of services ranging from U.S. Small Business Administration (SBA) financing solutions, construction loans.
  • Tucson Federal Credit Union
  • 1160 N. Winstel Blvd, Tucson, AZ, 85716
  • In 1937 a group of teachers with a vision came together to form a financial cooperative that could better serve the financial needs of Tucson's school employees and their families. A year later, Tucson Teachers Federal Credit Union (TTFCU) was serving 38 members and had acquired assets of nearly $349.
  • Northway Bank
  • 9 Main Street, Berlin, NH, 03570
  • Northway Bank, headquartered in Berlin, New Hampshire, and a wholly-owned subsidiary of Northway Financial, Inc., serves dozens of communities throughout New Hampshire with 16 full-service branches and two loan production offices located in Bedford and Portsmouth. Today, with assets over $900 million, Northway Bank is one of the largest independent
  • Blue Sky Mortgage, Inc.
  • 2229 East Hedrick Drive, Tucson, AZ, 85719
  • Blue Sky Mortgage, Inc. is a full service mortgage broker providing real estate financing anywhere in Arizona. Richard has a BS degree in Mechanical Engineering from the University of California at Davis. Originally from New York, Richard’s first involvement in real estate was in California in the early 1970′s.
  • Hotchkiss Financial, Inc.
  • 1945 East Mabel Street, Tucson, AZ, 85719
  • We have very competitive Interest Rates. Our loans are customized to fit the borrower's needs. Because we are a small company, we can follow every detail of your transaction. We will keep you informed regarding the loan progress, from start to finish. We have access to a large network of investors. We have a wide variety of products
  • Independent Mortgage Advisors, LLC
  • 1698 East Adelante Way, Queen Creek, AZ, 85140
  • Independent Mortgage Advisors originates all types of residential loans in Arizona & California, and was created using a client- focused model- NO fee options, great rates, exceptional service, and above all, the integrity to ALWAYS put the best interest of the client first. We are there for our clients every step of the way