USDA Vs. FHA Pro and Con comparison in North-Kansas-City, Clay County, MO

In 2025, 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 .

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

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.

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



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