USDA VS FHA in Maplewood, St. Louis County, MO

In the year 2025, the USDA loan limit within Maplewood, located in the county of St. Louis, MO, is $0. Meanwhile, for a single-family home, the FHA limit is $472,030.

Make use of the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates available today. Determine what income, credit, reserves, and documentation are necessary to qualify. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding in your decision on which program in Alabama is best for your situation.

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2025 Loan Limits and Down Payment Requirements in Maplewood, County of St. Louis, MO

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

USDA and FHA Loan Opportunities in Maplewood, MO

The mission of Lendersa® is to help you secure an optimal USDA or FHA loan quickly and effortlessly. You can choose from three pathways that connect you with lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Insights into USDA Loans in MO

A USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is offered in rural areas only. Unlike FHA loans that require at least a 3.5% down payment, a USDA mortgage doesn't require any down payment, making it more accessible for those eligible.

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



  • Golden Oak Lending
  • 11737 Administration Drive, Saint Louis, MO, 63146
  • Golden Oak Lending, we speak mortgage and love translating it for you.The mortgage industry is full of technical, industry-based terminology and our local, experienced loan officers will help you make sense of it all in an easy-to-understand way. Our team uses this knowledge to align the right loan program that fits your needs & puts more savings.
  • Neighbors Credit Union
  • 612 Gravois Rd, Fenton, MO, 63026
  • Neighbors Credit Union (formerly St. Louis Postal Employees Credit Union) was created in a shoebox and a dream; that every postal worker deserved a helping hand to get more out of life. Today, we've opened our doors to everyone in our surrounding communities and have become one of the largest and strongest credit unions in Missouri.
  • Alliance Credit Union
  • 1280 S Highway Dr, Fenton, MO, 63026
  • Alliance Credit Union is your local, not-for-profit financial cooperative. Originally chartered in 1948 to serve the financial interests of Emerson Electric Co. employees, today’s Alliance Credit Union serves communities throughout Greater St. Louis. Our not-for-profit status means we can provide you lower loan rates
  • St Louis Mortgage Consultants
  • 1799 Smizer Station Road, Fenton, MO, 63026
  • At St. Louis Mortgage Consultants our core philosophy is to develop and maintain a lifetime relationship with all of our clients. With St. Louis Mortgage Consultants, you will get a local representative that has your best interest in mind. Our goal on a daily basis, is to provide the most efficient and competitive mortgage loan products available.
  • CapitalBull Mortgage
  • 558 Gravois Road, Suite 203, Fenton, MO, 63026
  • CapitalBull LLC was founded January 2, 2009 by Chad Atkins in order to create a mortgage company that didn’t use big banks and was a better solution. The #NoBankBull motto was born, now you have someone to fight the big banks for you and get you the best mortgage out there. CapitalBull only uses wholesale lenders and finds the best rates.
  • Missouri Mortgage Clearing House
  • 697 Green Forest Drive, Fenton, MO, 63026
  • The Missouri Mortgage Clearing House team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area.The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
  • LoanSum, LLC
  • 150 Weldon Pkwy, Suite 103, Maryland Heights, MO, 63043
  • The LoanSum Difference means that you will not find another hard money lender who will close your loan faster and with less paper work (no tax returns or financial statements). LoanSum offers a flexible term up to 12 months for both new and existing customers.Loansum provides commercial & residential properties
  • Patriot Credit Union
  • 4343 Telegraph Road, Saint Louis, MO, 63129
  • Patriot Credit Union has been providing fast, personal service to it's members for over 50 years. We are owned and operated exclusively for our members, providing service to our members is our main goal. Because we are owned by our members, we can not be bought out by another financial institution.
  • St Louis Home Mortgage and Retention Services
  • 113 Old State Road, Suite 103, Ellisville, MO, 63021
  • Founded in March 2009 as St Louis Home Retention Group, We are home mortgage specialists focused on your unique situation and needs. From your first home loan to refinancing and load modifications, we help you get the right loan and keep your home and also The company’s efforts over the years have earned them an A+ rating with the BBB
  • Division #6 Highway Credit Union
  • 14392 S Outer Forty Road, Chesterfield, MO, 63017
  • Division #6 Highway Credit Union has been in business since 1953 serving MoDot and Missouri State Highway Patrol employees and their families. Anyone employed by the Missouri Department of Transportation in District Six, or employed by the Missouri State Highway Patrol, Troop C, is eligible to become a member
  • Access Capital Funding, LLC
  • 14366 S Outer 40, Chesterfield, MO, 63017
  • Access Capital Funding, LLC has been providing St. Louis home loans for more than 20 years. We specialize in FHA loans, VA loans, USDA loans and Conventional home loans. Thousands of First Time Homebuyers have used our services. Our No Cost Refinance is a Missouri and Illinois home loan favorite, saving our clients thousands in closing cost.
  • AA Mortgage Corp
  • 14346 Manchester Road, Manchester, MO, 63011
  • 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.