USDA Vs. FHA Pro and Con comparison in Lexington, Lafayette County, MO

For 2025, the USDA loan limit in Lexington, county of Lafayette, MO, is $345,000, while the FHA limit for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s top USDA vs. FHA rates. It helps determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the most suitable option for your financial circumstances in .

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2025 Loan Limits and Downpayment Requirements in Lexington, County of Lafayette, MO

Loan Type Loan Limit Down Payment
USDA $345,000 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Lexington, MO

The objective of Lendersa® is to connect you swiftly with the finest USDA or FHA loan. Choose from three starting approaches that lead you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Overview of USDA Loans in MO

A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or mortgage. It's specifically available in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



  • Frankenmuth Credit Union
  • 580 N. Main Street, Frankenmuth, MI, 48734
  • In 1964 Frankenmuth Credit Union was organized by the employees of Carling Brewery of Frankenmuth. They were looking for an alternative option for their financial needs. In the beginning only the employees of Carling Brewery, Zeilinger Beverage, Geyer’s Brewery and Star of the West Milling could join the credit union – the brewers and millers.
  • Neighborhood Mortgage Solutions, LLC
  • 975 North Main St, Suite D, Frankenmuth, MI, 48734
  • Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services to fellow credit unions. We are credit union owned and were founded in 2008 by three credit union partners in Michigan: Frankenmuth Credit Union, Alpena Alcona Area Credit Union and Team One Credit Union.
  • RCR International Finance & Trade
  • 31350 Telegraph Road, Bingham Farms, MI, 48025
  • Unlock your business potential with RCR International Finance & Trade! We provide tailored commercial and corporate financial services, including CRE and construction finance, accounts receivable and purchase order financing, commercial equipment and inventory finance, bridge and hard money loans, and export trade finance. Partner with us to fuel y
  • CONSTRUCTION FEDERAL CREDIT UNION
  • 30400 Telegraph Road, Suite 122, Franklin, MI, 48025
  • CONSTRUCTION FEDERAL CREDIT UNION Founded and chartered in September of 1974, to serve the members of the Construction Association of Michigan (CAM) and their families, we have been providing unmatched personal service ever since When you’re a member of Construction Federal Credit Union, you’re not just a customer but part-owner of your credit unio
  • Denver Fire Department Federal Credit Union
  • 12 Lakeside Lane, Denver, CO, 80212
  • Denver Fire Department Federal Credit Union is a not-for-profit, locally owned financial cooperative here to help you achieve your financial goals. The credit union was started by Denver Firefighters for professional firefighters in 1938. Today we still only serve professional firefighters and their immediate family members.
  • Blueprint Mortgage Group LLC
  • 2491 Perry Street, Denver, CO, 80212
  • Blueprint Mortgage Group LLC is a Colorado Limited-Liability Company filed On March 27, 2019. The company's filing status is listed as Good Standing and its File Number is 20191271164. The Registered Agent on file for this company is Blueprint Mortgage Group LLC and is located at 2491 Perry Street, Denver, CO 80212
  • Salt Funding - Hard Money Lender
  • 3700 Tennyson Street, Suite 12070, Denver, CO, 80212
  • Salt Funding is a Denver based Private Money lending company. We pride ourselves on fee transparency and speed in lending. Focus is on single family and multi-family residential non-owner occupied loans. Our typical loan is a 6-12 month term at 10% and 2 points for the first 6 months.
  • 1ST SECURITIES MORTGAGE
  • 30150 Telegraph Rd, Suite 320, Bingham Farms, MI, 48025
  • 1st Securities Mortgage, we want to be your mortgage broker & lender for life. Our business is family owned and operated, & that means you will be treated like a partner too. We offer Conventional, FHA, VA, New Construction, Refinance, RD and Renovation Loans. we are dedicated to being responsive to all of our customers and referral partners.