For the year 2025, the USDA loan limit set for Kirkwood, located in the county of St. Louis, in MO, is noted as $0, whereas for a typical single-family home, the FHA limit is $472,030.
By taking advantage of the Lendersa® USDA loan calculator, borrowers can effectively compare the best available rates for USDA versus FHA loans as of today, while also identifying the specific income, credit score, reserve, and document requirements needed for qualification. Utilizing our sophisticated mortgage calculator enables you to visualize USDA, FHA, Conforming, and VA loans side by side, aiding in your decision regarding which program in
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| Loan Type | Loan Limit | Down payment |
| USDA | $0 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to efficiently and smoothly acquire the most suitable USDA or FHA loan tailored for you, without undue complications. You are invited to choose one of three starting strategies that allow you to link with relevant lenders and access USDA loan programs that match your particular needs.
A USDA home loan, endorsed by the U.S. Department of Agriculture, is frequently referred to as a USDA rural development loan or USDA mortgage and is specifically available only in qualified rural areas. Unlike FHA loans, which need a down payment of at least 3.5%, USDA mortgages provide the advantage of requiring no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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