USDA Vs. FHA Pro and Con comparison in Mount-Vernon, Lawrence County, MO
In 2025, the USDA loan cap in Mount-Vernon, within Lawrence county, MO, is $285,000. Conversely, the FHA limit for a single-family home stands at $356,362.
Leverage Lendersa® USDA loan calculator to contrast today’s USDA vs. FHA optimal rates. It helps determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the right option for your financial situation in .
2025 Loan Limits and Downpayment Requirements in Mount-Vernon, County of Lawrence, MO
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Solutions in Mount-Vernon, MO
The objective of Lendersa® is to swiftly connect you with the best USDA or FHA loan, without hassle. Choose one of three starting points that result in matching lenders and USDA loan options.
A USDA home loan, backed by the Department of Agriculture, is also referred to as a USDA rural development loan or mortgage. Available only in rural areas, it requires no down payment, unlike FHA loans, which require at least 3.5%.
Fahey Bank has been known as a trusted community bank since 1865 – the same year the Civil War ended. Timothy Fahey established the bank in the back of his general store to meet the needs of his neighbors in Marion, Ohio. Fahey Bank is still rooted in Marion – in the same location where Fahey’s general store once stood.
Pillar Credit Union is a member-owned and member-governed financial institution. Since its formation in 1960, we have grown into a full-service, not-for-profit financial cooperative Our friendly convenient services are available to anyone who works or lives in Marion, Morrow, Crawford, Wyandot, Richland, and Hancock County.
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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.
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