USDA Vs. FHA your options comparison in Lexington, Lafayette County, MO
For 2026, 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 .
2026 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.
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.
Community Bank of Missouri was founded in May 2001, in an effort to bring unparalleled banking excellence to the Richmond area. It began with two local businessmen, Gary Arnette and Gregg Steele, who identified the need for a financial institution based in the community. We are always upgrading the technology of our base products and services.
State Bank of Missouri, with assets of more than $55 million, is a chartered financial institution that serves customers in Jackson and Lafayette counties in Missouri. Its parent company, C.S. Bancshares, is a multi-bank holding company based in Chillicothe, Mo. C.S. Bancshares is the parent company to Chillicothe State Bank in Chillicothe;
Home Savings & Loan Association of Carroll County is a federally chartered savings association that has been serving our community since 1919. We pride ourselves in offering friendly personalized service to our customers. We offer a variety of services including real estate loans, auto loans, certificates of deposit, IRA’s, checking accounts.
WPL Mortgage Solutions is more than a mortgage broker, we’re your financial partner. We seek out long-term relationships with our vendors, suppliers, employees and most of all, with our clients. As a mortgage broker, we take time to get to know customers and find real solutions so they can live out their dreams.
Carroll County Trust Company of Carrollton, Missouri
2 South Folger, Carrollton, MO, 64633
Lends in Missouri
Carroll County Trust Company is a small town community bank established in 1919. When the Carroll County Trust Company was formed, the banks of Carrollton were family owned entities. The original Board of Directors and founders of the Carroll County Trust Company were comprised of local farmers and businessmen.
We are not a payday loan or title loan company. Our loans are Fully Amortized with Equal Payments of principal and interest. Our loan payments are Affordable and designed to fit within your monthly expenses. When you need a loan to establish credit or pay off a debt, you need to work with a company that is willing to work with you.
Central Missouri Community Credit Union was chartered in 1961 as a credit union for the education community. We now serve a field of membership including all educational employees, college students and high school juniors and seniors in all counties of the University of Central Missouri District.
Established in 1890, Quarry City Savings and Loan is a local, community-oriented financial institution providing honest personal service to our customers. Our Mission at Quarry City Savings & Loan is to build and maintain solid relationships with the community we live in and the clients we serve.
Blue Ridge Bank is a locally owned, community bank, established in 1958. With eight locations serving the communities of Independence, Raytown, Kansas City, Lee's Summit, and Blue Springs. Blue Ridge Bank has services to meet every need. Services include: Personal checking including high-interest checking, savings and money market accounts.
