USDA VS FHA in Lee's-Summit, Jackson County, MO

In the year 2026, the USDA loan limit in Lee's-Summit, located in the county of Jackson, MO, is $311,800. Meanwhile, the FHA limit for a single-family home is set at $389,850.

Utilize the Lendersa® USDA loan calculator to evaluate current USDA and FHA interest rates, and establish the required income, credit, savings, and documentation to qualify. This cutting-edge mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side-by-side to choose the most suitable option for your financial needs in Alabama.

Explore loan offers from over 100 different lenders

2026 Loan Limits and Down Payment Requirements in Lee's-Summit, County of Jackson, MO

Loan Type Loan Limit Down Payment
USDA $311,800 0%
FHA $389,850 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in Lee's-Summit, MO

The aim of Lendersa® is to swiftly secure you the ideal USDA or FHA loan with minimal hassle. Begin with one of three entry points to match with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is intended for rural areas only. Unlike FHA loans that require a 3.5% down payment, USDA mortgages come with no down payment requirement.

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



  • DML Capital
  • 2018 156th Ave NE Building F, Suite 100, Bellevue, WA, 98007
  • DML Capital Mortgage is an independent mortgage lender headquartered in the Seattle Area, WA. We are a retail direct lender well positioned to serve the diverse needs of today’s borrowers. We offer a vast array of loan products to provide our borrowers the best options available.

  • Intrust Funding
  • 14508 NE 20th Street, Suite #200, Bellevue, WA, 98007
  • Intrust Funding provides short-term financial solutions for novice and veteran real estate investors and non-conventional borrowers in Western Washington. Through our simple, efficient and transparent loan process, we help our clients present all-cash offers in as little as 48 hours to secure the best property deals within 72 hours.

  • Merchants Mortgage
  • 5200 SW Meadows Road, Ste 150, Lake Oswego, OR, 97035
  • MMTC offers quick closings (3-5 days in many cases), practical underwriting for investors, and lends on a variety of property types and conditions. We can close in entities or an individual’s name, and advance repair draws rather than reimbursing clients. Up to 90% of purchase price plus 90% of repairs. We also offer other creative products not co

  • Clunas Funding Group
  • 5335 Meadows Rd, Suite 380, Lake Oswego, OR, 97035
  • Clunas Funding Group Inc. is a licensed mortgage broker in Lake Oswego, Oregon specializing in hard money loans. We provide quick access to capital for borrowers, real estate agents and mortgage brokers in Oregon, Washington and California. CFG is a collateral-based lender focusing on bridge loans, fix and flip or rehab loans and commercial loans.

  • Select Lending Services
  • 15400 Boones Ferry Road, Lake Oswego, OR, 97035
  • Select Lending Services mortgage you use to finance your home influences how much you need for the down payment, whether or not you will need mortgage insurance, and how long it will take you to pay off your loan and the best way to find out what mortgage is best for your home purchase is to get preapproved with a Select Lending Services.

  • Oswego Mortgage
  • 16552 Boones Ferry Rd, Suite 3, Lake Oswego, OR, 97035
  • Oswego Mortgage is not your average mortgage company. When you come in our office you will not find fancy suites and shinny cufflinks, rather you will be greeted by our enthusiastic team members that will soon become your friends. Our experienced professional team is made up Oregonians just like you.

  • Norris, Beggs & Simpson Financial Services
  • 4949 Meadows, Suite 490, Lake Oswego, OR, 97035
  • Norris, Beggs & Simpson Financial Services is a leader in mortgage servicing. Our team manages a loan portfolio backed by office, retail, industrial, multifamily and hotel properties. NBS loan servicers act as an interface between borrowers and lenders to keep loans on track for performance.

  • IGR Mortgage Services
  • 52 Galen St, Lake Oswego, OR, 97035
  • IGR Mortgage Services is one of the most experienced providers of hard money loans on the West Coast. Our hard money lending services have helped real estate investors, builders, business owners and all types of property owners for over 30 years. Many of our loan programs are now offered in states across the country.

  • VergePointe Mortgage LLC
  • 5285 Meadows Rd, Suite 161, Lake Oswego, OR, 97035
  • VergePointe is built around the concept that in addition to being professionals, we have also successfully invested in businesses and real estate ourselves. With that background, along with our professional certifications and experience, we work as hard as possible to help our clients achieve their goals.

  • Mortgage Martial
  • 15875 Boones Ferry Road, Lake Oswego, OR, 97035
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Willamette Falls Financial
  • 4800 SW Meadows Rd, Suite 300, Lake Oswego, OR, 97035
  • Willamette Falls Financial, professional mortgage company specializing in residential mortgages.At Willamette Falls Financial,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 loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • Vantage Mortgage Group
  • 17040 Pilkington Rd, Suite 300, Lake Oswego, OR, 97035
  • Vantage Mortgage Group is one of the only independent mortgage firms in the Pacific Northwest today (serving Oregon and Washington consumers). Locally owned and operated in Lake Oswego, Oregon, Vantage has become a nationally recognized company from the impact made within the industry and unique consumer-focused platform. As many can imagine