USDA Loan Vs. FHA loan for Independence, MO [Jackson County ]

In 2025, USDA loan limit in Independence, county of Jackson, MO is $345,000 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Independence, MO

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Missouri?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

404.391.1686 Lender's profile and map Reviews Walton Funding 12805 US Highway 98 E, Suite E201, Inlet Beach, FL, 32461 Walton Funding was formed with the intent of bringing our borrowers the most favorable lending terms available in the market. We specialize in finding solutions that don't meet standard agency criteria. Our qualified borrowers have transparent access to wholesale rates, giving them some of the best rates available in the industry.
(704) 332-5072 Lender's profile and map Reviews Mullinix Mortgage Group 2108 South Blvd, Suite 214, Charlotte, NC, 28203 Mullinix Mortgage Group is a trusted local lender, backed by an independent mortgage company with more than 20 years in the industry. Founded by one of The Carolina’s top mortgage professionals, Will Mullinix, Mullinix Mortgage Group has established itself as a leader in the industry
(800) 813-4620 Lender's profile and map Reviews LendingTree 1415 Vantage Park Drive, Suite 700, Charlotte, NC, 28203 LendingTree is a lot more than mortgages. We are an online loan marketplace for various financial borrowing needs including auto loans, small business loans, personal loans, credit cards, and more. We also offer comparison shopping services for autos and educational programs. Together, these services serve as an ally for consumers
(704) 215-4724 Lender's profile and map Reviews Peak Financial Group Inc 2125 Southend Drive, Unit 451, Charlotte, NC, 28203 Peak Financial Group, Inc. is a family-owned mortgage business, licensed in NC and SC, located in Historic Southend, Charlotte. The business opened its doors in September 2011 and also Peak specializes in industry knowledge/expertise, personalized customer service, low interest rates, competitive pricing, and diverse loan programs.
(704) 421-1606 Lender's profile and map Reviews Eagle Financial Services Inc 2923 South Tryon Street, Suite 220, Charlotte, NC, 28203 At Eagle Financial Services Inc. we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs
(704) 412-9131 Lender's profile and map Reviews Mecklenburg Mortgage Inc 828 East Boulevard, Suite 301, Charlotte, NC, 28203 Our experience enables us to find the mortgage program tailored to your needs. With our history and knowledge of our investor’s guidelines, we can give you a proper mortgage experience with no surprises. We welcome your questions and the opportunity to discuss your next refinance or purchase.
(704) 577-1247 Lender's profile and map Reviews Home Key LLC 307 West Tremont Avenue, Suite 200, Charlotte, NC, 28203 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(704) 275-8175 Lender's profile and map Reviews Oak Capital Mortgage LLC 307 West Tremont Avenue, Suite 200, Charlotte, NC, 28203 Oak Capital Mortgage is focused on providing our clients with exactly the right mortgage for their needs. We are able to achieve that for our clients because we are an independent mortgage company that works with multiple lenders. We are able to shop around for you and find the best priced options available.
(704) 333-4500 Lender's profile and map Reviews Bridgewater Capital Inc 2108 South Boulevard, Suite 209, Charlotte, NC, 28203 Bridgewater Capital we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you and We make sure our clients get the best support from our staff walk you through the whole mortgage process
(704) 930-7830 Lender's profile and map Reviews DHL Mortgage 529 W Summit Ave, Suite 2A, Charlotte, NC, 28203 At DHL Mortgage, formerly known as Direct Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
(704) 372-1633 Lender's profile and map Reviews Omni Mortgage Corporation 801 E Morehead St, Suite 100, Charlotte, NC, 28202 Omni Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.