USDA VS FHA in Kansas-City, Jackson County, MO

For 2025, 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.

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2025 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.

Lendersa USDA loan request and matching results

What is a USDA Loan in MO?

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.

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



  • Grand Trunk (Battle Creek) Employees Federal Credit Union
  • 1275 North Raymond Road, Battle Creek, MI, 49014
  • Grand Trunk (Battle Creek) Employees Federal Credit Union was founded in January of 1945 by a group of railroad employees of the Grand Trunk Western Railroad Company. The purpose was to provide financial services to railroaders and their families. Membership quickly grew to 70 members in the first two months of operating
  • Kellogg Community Credit Union
  • 41 2nd St, Battle Creek, MI, 49014
  • Kellogg Community Credit Union, headquartered in Battle Creek, Michigan is a full service financial institution serving people who live, work, worship, or attend school in Greater Southwest Michigan. With more than $795 million in assets and over 47, 000 members through 13 branches in Battle Creek, Kalamazoo, Portage, Three Rivers, Marshall
  • LaMoure Credit Union
  • 203 7th Street SE, Lamoure, ND, 58458
  • LaMoure Credit Union has been open since 1940. It's the 19th largest credit union in North Dakota with assets totaling $33.58 Million and providing banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans
  • Sorg Bay West FCU
  • 400 North Broad Street, Middletown, OH, 45042
  • Sorg Bay West Federal Credit Union Web Site. The Sorg Bay West FCU offers a full range of financial services. We are member owned, which means we can offer savings with more services, and more advantages to our members. Whether you are looking for a loan, checking account, savings
  • Butler Heritage Federal Credit Union
  • 660 N University Boulevard, Middletown, OH, 45042
  • BHFCU is owned and governed by its members. Members exercise their democratic control of the credit union by attending the credit union's annual meeting and electing the Board of Directors from amoung their number. The Board's function is to provide general direction and control of the affairs of the credit union
  • ACF Home Loans LLC
  • 1081 North University Boulevard, Suite C, Middletown, OH, 45042
  • ACF Home Loans, a professional mortgage company specializing in residential mortgages.ACF Home Loans, we will find a loan that fits each borrower.Unlike big banks that have order takers helping you with your loan, we have highly skilled & trained loan consultants.Our consultants know what it takes to get through underwriting quickly & efficiently.
  • Citizens National Bank of Crosbyton
  • 202 W. Main, Crosbyton, TX, 79322
  • A bank was proposed for the town site of Crosbyton in December of 1908. The material used in the building was native stone and concrete blocks. The stone was quarried from the canyon east of Crosbyton. The sand and gravel was hauled into town from the canyon. The building was completed in the summer of 1909.
  • D A Griffin Financial, LLC
  • 880 Alexandria Pike, Suite 203, Fort Thomas, KY, 41075
  • D A Griffin Financial, LLC. We are a full service mortgage BROKER company based in Fort Thomas, Kentucky. As a small business we are on top of every transaction at all times. We can help you realize your dream of home ownership or save you money on a refinance. Our mission is to serve our customers with honesty, integrity and competence.