USDA Vs. FHA your options comparison in North-Kansas-City, Clay County, MO
In 2026, the USDA loan limit in North-Kansas-City, county of Clay, MO, is $311,800, whereas the FHA limit for a single-family home is $389,850.
Utilize the Lendersa® USDA loan calculator to compare today’s top USDA against FHA rates. It helps assess the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side, enabling you to choose the right option for your financial situation in .
2026 Loan Limits and Downpayment Requirements in North-Kansas-City, County of Clay, MO
Loan Type
Loan Limit
Down Payment
USDA
$311,800
0%
FHA
$389,850
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in North-Kansas-City, MO
Lendersa® is focused on getting you the best USDA or FHA loan quickly and effortlessly. Choose from three starting methods leading to matching lenders and USDA programs.
A USDA home loan, backed by the Department of Agriculture, often referred to as a USDA rural development loan or mortgage, is intended for rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans need no down payment.
Founded in 1928 by the employees of Burlington Railroad employees as a not-for-profit financial cooperative; BNCCU is now the oldest and one of the strongest community-chartered credit union's in the Kansas City metro. As a community credit union, we remain small enough to know and serve our members on a personable level
We offer Online Banking, Visa Credit Cards, Financial Education, Checking and Savings accounts, Secured and Unsecured Loans and Mortgages. We also offer Credit Builder education, Preparing for a Mortgage education and Business accounts. Holy Rosary Credit Union is a financial cooperative owned by all its members.
At Commerce Bank, we know life’s best moments can come with some financial complexity. Our job is to help people and businesses navigate challenges so they can get back to focusing on what matters most. We do this by getting to know our customers and communities and accepting their goals as our own to deliver the right financial solutions.
Bank Midwest is a leading community banking franchise, headquartered in Kansas City, Missouri. We serve clients throughout Missouri & Kansas by providing a comprehensive portfolio of products and services to meet the needs of commercial, consumer and small business clients. As we grow, our goal is to continue to deliver a superior level of service.
We pride ourselves on our motto, “Small enough to know you, large enough to serve you”. Formed in 1946, we now serve government (federal, state, county, or city) employees, current and retired working in Johnson and Wyandotte counties in Kansas and Jackson and Clay counties in Missouri.
We are a Full Service Credit Union located in North Kansas City. We offer: Auto Loans, Personal Loans, Share Secured Loans, Mortgage Loans, Home Equity Loans, Savings Accounts, Checking Accounts, Kids Club Accounts, Investment Accounts, Christmas and Vacation Club Accounts, ATM and Debit Cards, Visa Credit Cards, Money Orders,
Bayer Credit Union is a proud participant of Invest In America, a discount program that brings our members valuable savings on the things they use most.
Credit untion members can save big with trusted US companies through various discounts. So, whether you're looking to save on something as large as a new vehicle
2301 Independence Boulevard, Kansas City, MO, 64124
Lends in Missouri
Central Bank of Kansas City is a local community bank that has provided financial services for individuals and businesses since 1951. Central Bank has been family-owned since the 1960s and has been certified as a Community Development Financial Institution (CDFI) since 1998 by the US Treasury Department.
