USDA Vs. FHA Pro and Con comparison in Jefferson-City, Cole County, MO
In 2025, the USDA loan cap for Jefferson-City in Cole County, MO is $285,000, whereas the FHA cap is $356,362 for a single-family home.
Employ the Lendersa® USDA loan calculator to compare today's prime USDA and FHA rates. Determine the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, allowing you to select the ideal program for your financial situation in .
Loan Limits and Down Payment Requirements for 2025 in Jefferson-City, Cole County, 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 Options in Jefferson-City, MO
The aim of Lendersa® is to swiftly secure the best USDA or FHA loan for you, hassle free. Choose one of three initial paths to connect with compatible lenders and USDA loan options.
A USDA home loan is guaranteed by the Department of Agriculture, commonly referred to as a USDA rural development loan, aiming at rural areas. Differing from FHA loans that need a 3.5% down payment, USDA loans require no money down.
American Loans and Mortgage, we are all about creating and finding solutions for anyone and everyone who needs a loan to reach their goals. and also the best rates and programs, and get you the best loan for your particular situation. We promise to provide you with the most comprehensive communication and the lowest mortgage rates.
Atlas Mortgage Solution offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers. We are constantly striving to keep our process streamlined and user friendly. We want all borrowers involved to feel informed and cared about every step of the way.
South Towne Mortgage, 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 and your family.
Alliance Lending Services (ALS) was founded on the belief that strategic planning and market knowledge are the foundation of the mortgage process. This belief has inspired a passion for delivering superior services that foster effective mortgage solutions. With over 20+ years of experience and knowledge in the mortgage industry.
Today’s hyper-competitive market requires companies to be nimble, innovative, and flexible. Our experienced leadership allows us to make decisions quickly and build a culture around these key principals: operational excellence drives value, and technology drives opportunity.We are a mortgage company that does things a little bit differently.
RANLife is a leader in residential lending.With our in-house staff and direct lender relationships with Fannie Mae, Freddie Mac, and Ginnie Mae, we've eliminated the middleman.RANLife runs all of our operations from Sandy, Utah greater Salt Lake City metropolitan.We have in-house processors, underwriters, funders, and closers available at all times
Essex Savings Bank is a FDIC insured, state chartered, mutual savings bank established in 1851. The Bank serves the Connecticut River Valley and shoreline with six offices in Essex (2), Chester, Madison, Old Lyme and Old Saybrook providing a full complement of personal and business banking. Financial, estate, insurance
"We encourage people to call with any questions they may have about the mortgage or home buying process. We gladly give free consultations and pre-qualifications. We believe it is very important for borrowers to understand the entire mortgage process.
We are open Monday through Friday, and Saturday and Sunday by appointment."
