USDA and FHA Pro and Con in Kansas-City, Jackson County, MO
For 2026, the USDA loan limit in Kansas-City, located in Jackson county, MO, is $311,800. In comparison, the FHA cap for a single-family home is $389,850.
Employ the Lendersa® USDA loan calculator to analyze and compare the top USDA and FHA rates currently available. This tool aids in determining the income, credit, reserves, and documentation needed for qualification. Our enhanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, facilitating an informed choice for the best program in suited to your financial situation.
2026 Loan Limits and Down Payment Requirements in Kansas-City, Jackson County, MO
Loan Type
Loan Limit
Down Payment
USDA
$311,800
0%
FHA
$389,850
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Kansas-City, MO
Lendersa® aims to efficiently connect you with the best USDA or FHA loan options without hassle. Choose among three initial starting points that lead to matching lenders and USDA loan programs.
A USDA home loan is guaranteed by the government's Department of Agriculture and is referred to as a USDA rural development loan or USDA mortgage. This loan is specifically available for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA loan requires no down payment at all.
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
6505 N. Prospect Ave, Suite 400, Gladstone, MO, 64119
Lends in Missouri
National VA Loans is one of the fastest growing VA mortgage brands in the United States. We are a brand that developed out of a pure, honest desire to help servicemen and women be able to buy a home and build the life of their dreams within that home. We are here to help you utilize the VA Loan programs.
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.
Founded in 1928 by the employees of Burlington Railroad employees as a not-for-profit financial cooperative; BNCCU is now the oldest and one of the strongest community-chartered credit union's in the Kansas City metro. As a community credit union, we remain small enough to know and serve our members on a personable level
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.
We offer Online Banking, Visa Credit Cards, Financial Education, Checking and Savings accounts, Secured and Unsecured Loans and Mortgages. We also offer Credit Builder education, Preparing for a Mortgage education and Business accounts. Holy Rosary Credit Union is a financial cooperative owned by all its members.
