USDA Vs. FHA Pro and Con comparison in O'Fallon, St. Charles County, MO
In the year 2025, the USDA loan limit in O'Fallon, located in the county of St. Charles, MO, is $285,000. Meanwhile, the FHA limit for a single-family home is set at $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate current USDA and FHA interest rates, and establish the required income, credit, savings, and documentation to qualify. This cutting-edge mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side-by-side to choose the most suitable option for your financial needs in Alabama.
2025 Loan Limits and Down Payment Requirements in O'Fallon, County of St. Charles, 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 Choices in O'Fallon, MO
The aim of Lendersa® is to swiftly secure you the ideal USDA or FHA loan with minimal hassle. Begin with one of three entry points to match with lenders offering USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is intended for rural areas only. Unlike FHA loans that require a 3.5% down payment, USDA mortgages come with no down payment requirement.
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