USDA Vs. FHA Pro and Con comparison in Macon, Macon County, MO
In 2026, the USDA loan limit for Macon, located in Macon, MO, is $336,500. Meanwhile, the FHA loan limit for a single-family home stands at $472,030.
Leverage the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Determine the qualifying income, credit score, reserves, and necessary documents. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side to help decide which plan fits your financial needs in .
2026 Loan Limits and Downpayment Requirements in Macon, Macon, MO
Type of Loan
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Macon, MO
The objective of Lendersa® is to swiftly connect you with the best USDA or FHA loan without hassle. Choose from three starting points to find matching lenders and identify suitable USDA programs.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusive to rural areas. Unlike FHA loans, which necessitate at least a 3.5% down payment, a USDA loan requires zero down payment, providing significant advantages for eligible applicants.
MA Bank opened its doors for business in 1893 after the founder, Jett Dearing, rode on horseback to sell stock to local businessmen and farmers. MA Bank has always been locally owned and takes great pride in serving the needs of our community. We have never forgotten that it was local people that gave us our start.
The Horizon Credit Union was chartered in July of 1954 by Missouri Department of Transportation employees and Missouri State Highway Patrol employees. The two groups came together to form a credit union that would provide themselves and their coworkers a place to save and borrow money.
The Bank of New Cambria opened for business on March 25, 1933. It was organized after the two banks in New Cambria failed in January 1933 during the depression. The failed banks, the New Cambria State Bank (organized in 1892) and the Farmers and Merchants Bank (organized in 1907) were both community owned banks.
The Northeast Missouri State Bank was originally chartered as Schuyler County State Bank in 1933. The name was changed to Northeast Missouri State Bank in 1988, to better reflect our area of customer service, and the main bank moved to Kirksville, MO. In 2004, the bank expanded by purchasing the LaPlata State Bank.
Alliant Bank strongly believes we are partners with our communities. Helping those in our communities pursue their dreams is what we are all about. Our goal is to be the place you come to when you set out to achieve your dreams.
No matter what you are trying to achieve; buying a new home
We believe in providing quality service beyond what is traditionally expected. At Connections Bank, you are guaranteed to find friendly customer service representatives to assist you with your lending and savings. We have an experienced lending staff offering a wide range of both consumer and commercial loan products.
Bank of Brookfield-Purdin has full service bank facilities in Brookfield, Purdin, and Meadville in Linn County and in Winigan located in the southeast corner of Sullivan County, all locally owned, managed, and staffed with individuals living in each of these communities who want you to bank with us.
We have serviced clients since 1904. Our success and growth over the years has come thanks to our unwavering commitment to the communities we serve, to our clients, and to our shareholders and staff. Over the years we have developed a reputation for service and product innovation that sets us apart from other banks
The history of the United State Bank began in 1922 when Lorenzo H. Gnuse, Sr. founded the Durham State Bank. Mr. Gnuse was commissioned by the State of Missouri to assist in the liquidation of banks throughout Missouri that were failing due to the nationwide depression. Mr. Gnuse was sent to Durham to liquidate the Durham Savings Bank.
