USDA Vs. FHA Pro and Con comparison in Imperial, Jefferson County, MO

In 2025, the USDA loan limit in Imperial, within the county of Jefferson, MO, is $336,500, while for a single-family home, the FHA limit stands at $472,030.

The Lendersa® USDA loan calculator allows you to compare today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the program best suited to your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Imperial, County of Jefferson, MO

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Imperial, MO

Lendersa® strives to seamlessly connect you with the best USDA or FHA loan. Choose one of three starting approaches to find matching lenders and USDA loan options.

Lendersa USDA loan request and results

Explaining USDA Loans in MO

A USDA home loan, also identified as a USDA rural development loan or mortgage, is insured by the Department of Agriculture and available only in rural areas. In contrast to FHA loans that require at least a 3.5% down payment, USDA loans don't require any down payment at all.

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



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  • The Upstate National Bank is a nationally-chartered community bank headquartered in Rochester, NY focusing on providing a safe and secure environment for clients to transact, invest and borrow while simultaneously enabling and enhancing community prosperity and growth in the markets we proudly serve.
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