USDA Vs. FHA your options comparison in Lamar, Barton County, MO
In 2026, the USDA loan limit for Lamar, located in the county of Barton, MO, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare today’s USDA vs. FHA best rates. Assess the needed income, credit, reserves, and documents required for qualification. Using our advanced mortgage calculator, view USDA, FHA, Conforming, and VA programs side by side, to assist in determining which is best suited for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Lamar, County of Barton, MO
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Lamar, MO
The goal of Lendersa® is to connect you swiftly with the best USDA or FHA loan, minimizing hassle. Choose from three starting paths that align you with suitable lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need no down payment.
Lamar Bank & Trust Company is a locally owned and operated full-service financial institution located in Lamar, Missouri. LBT is a leader in technology and is known for being one of the first banks in Missouri to offer e-statements. Internet banking and debit cards have been regular products of the bank for years.
We are proud to be the largest locally owned community bank in southwest Missouri. It all began in Carthage, Missouri, when Garry Denney, along with seven other citizens, decided to start a new bank. The first Carthage branch opened in June, 1979, with one million dollars in assets and over the years we expanded into Joplin, Neosho, Jasper & Alba.
We are a local credit union located in Joplin, MO. Originally we were known as District 7 Highway Credit Union and were a part of the Missouri Department of Transportation. We have since expanded and look forward to serving you.credit union located in Joplin, MO. Originally we were known as District 7 Highway Credit Union
Joplin Metro Credit Union has been open since 1950. The credit union has assets totaling $46.41 Million and provides banking services to more than 5, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
Great Plains Federal Credit Union was formed in June 1950 at its former home office location outside Pittsburg, Kansas at the Jayhawk Plant. The original charter was under the name Spencer Chemical Employees Federal Credit Union and served employees of Spencer Chemical Company of Kansas City, Missouri.
The Mortgage House team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
