USDA Vs. FHA your options comparison in Independence, Jackson County, MO
In 2026, the USDA loan limit for a single-family home in Independence, Jackson county, MO, is set at $345,000, while the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s USDA versus FHA rates. Find the income, credit, reserves, and documents needed for qualification. Our modern mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in choosing the best option in for your financial situation.
2026 Loan Limits and Downpayment Needs in Independence, Jackson, MO
Loan Type
Loan Limit
Down Payment
USDA
$345,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Independence, MO
The aim of Lendersa® is to swiftly provide access to ideal USDA or FHA loans without hassle. Choose one of three starting routes to match with lenders and USDA loan programs.
A USDA home loan, referred to as a USDA mortgage or rural development loan, is backed by the government via the Department of Agriculture, available solely in rural areas. In contrast, FHA loans require at least a 3.5% down payment, while USDA loans require no down payment.
Since 1941, United Consumers has been providing its members with an alternative to increasingly expensive banking services. The credit union is a not-for-profit financial institution owned by the members who join. Benefits of membership include lower rates on loans, higher rates on investments
Square One Solutions is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,
We are a Full Service Credit Union located in North Kansas City. We offer: Auto Loans, Personal Loans, Share Secured Loans, Mortgage Loans, Home Equity Loans, Savings Accounts, Checking Accounts, Kids Club Accounts, Investment Accounts, Christmas and Vacation Club Accounts, ATM and Debit Cards, Visa Credit Cards, Money Orders,
Bayer Credit Union is a proud participant of Invest In America, a discount program that brings our members valuable savings on the things they use most.
Credit untion members can save big with trusted US companies through various discounts. So, whether you're looking to save on something as large as a new vehicle
Central Communications Credit Union (originally Telephone Employees Credit Union) was founded in 1934 to serve the financial needs of area telephone employees. Since that time, CCCU has grown to serve many other outstanding companies, including HNTB, AT&T and Faultless Linen Supply, just to name a few.
19045 E. Valley View Pkwy, Suite F, Independence, MO, 64055
Lends in Missouri
"At Community Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use ""common sense"" & will help you obtain the best loan possible. Purchasing a home is probably one of the biggest investments you'll make in your lifetime. We are with you every step
19045 E. Valley View Pkwy, Suite F, Independence, MO, 64055
Lends in Missouri
At Community Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
2301 Independence Boulevard, Kansas City, MO, 64124
Lends in Missouri
Central Bank of Kansas City is a local community bank that has provided financial services for individuals and businesses since 1951. Central Bank has been family-owned since the 1960s and has been certified as a Community Development Financial Institution (CDFI) since 1998 by the US Treasury Department.
Greater KC Public Safety Credit Union is a not-for-profit member-owned financial institution welcoming all public safety employees & their family members in the Kansas City metro area, or anywhere in the state of Missouri or Kansas. It is the only credit union in Kansas City solely dedicated to serving public safety agencies, & has been since 1934.
