USDA Vs. FHA your options comparison in Osage-Beach, Camden County, MO

In 2025, the USDA loan cap in Osage-Beach, within Camden county of MO, is $285,000. For a single-family home, the FHA limit stands at $356,362.

Use the Lendersa® USDA loan calculator to evaluate current USDA versus FHA optimal rates and determine the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator enables a side-by-side comparison of USDA, FHA, Conforming, and VA options, assisting you in selecting the most suitable program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Osage-Beach, Camden County, 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 Alternatives in Osage-Beach, MO

Lendersa® is dedicated to facilitating the quickest and most hassle-free route to acquiring an optimal USDA or FHA loan. Start with one of three initial options to connect with suitable lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in MO

A USDA home loan, also referred to as a USDA rural development loan or mortgage, is a government-backed offering from the Department of Agriculture for use in rural areas exclusively. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA loans require no down payment.

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



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  • 25195 SW Parkway Ave, Suite 204, Wilsonville, OR, 97070
  • Kahren Oxner Helping her clients realize their dreams of homeownership, has been my passion for over 21 years. Kahren will be forever grateful to the amazing mentors and leadership opportunities I’ve had along the way, and am humbled as a Senior Loan Officer at UMortgage, to be able to do the same for our team in return.
  • Borrow Smart Mortgage Inc
  • 9450 South West Commerce Circle, Suite 401, Wilsonville, OR, 97070
  • Tom Griffith and team have a combined experience of 50 years in the mortgage industry and felt there was a better way to facilitate a clients needs without eliminating inefficacies in the communication process. Borrow Smart Mortgage takes this into account by leveraging strategies to make the home buying process quick and affordable.
  • CHA Mortgage Company Inc
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  • CHA Mortgage Company is located in the Baxter Building on the corner of NW 23rd and Thurman. Parking is available for Baxter Building guests in spots marked ""Executive Suite Customers."" CHA Mortgage is a local mortgage broker with a mission to help Nurses, Teachers, Firefighters, Police Officers and Veterans with their home loans.
  • Cascade Federal Credit Union
  • 18020 80th Avenue S, Kent, WA, 98032
  • Established in 1952, Cascade FCU originally served employees of the Cascade Division of the Great Northern Railway. Through railroad mergers, the Burlington Northern Santa Fe developed, which is our largest employee group. In 1982, credit union regulations began allowing credit unions to serve additional employee groups.
  • Rhonda Porter - Mortgage Master Service Corp.
  • 20425 72nd Avenue S, Suite 210, Kent, WA, 98032
  • Rhonda Porter is a Licensed Mortgage Originator MLO121324 living in the greater Seattle area. Rhonda began her career in 1986 in the title and escrow industry and joined Mortgage Master Service Corporation as a Loan Officer in 2000 and began blogging in 2006. Mortgage Master Service Corporation (NMLS ID#40445) is owned by the Porter family.
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  • 624 West Meeker St, Kent, WA, 98032
  • Affordable Goods Since the 1980's, Kent Jewelry & Loan has been serving Washington residents with used retail items at reasonable prices. As Kent's oldest pawn shop, our family-owned and operated business has never failed to supply a large variety of used firearms, jewelry, electronics, sporting goods
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  • 4505 Somerset Lane, Kent, WA, 98032
  • 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.
  • Kiel Mortgage
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  • Kiel Mortgage is a company that lives by core principles to help ensure that decisions are made with each business relationship that focuses on integrity, high ethical standards and a commitment to excellence. Our primary approach to business has been to treat each refinance or purchase as if it was a close family member.
  • MORTGAGE MASTER SERVICE CORPORATION
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  • Mortgage Master is a nationally trademarked company, established in 1976 by members of the Porter family, veterans of the real estate industry since 1950. What began as a small family endeavor has flourished over the years into one of the leading lenders in the Pacific Northwest.
  • Mt. Rainier Federal Credit Union
  • 303 West Meeker Avenue, Puyallup, WA, 98371
  • The Mt. Rainier Federal Credit Union, chartered in 1967, is a non-profit financial cooperative owned by the members. We offer our members higher rates on savings, and lower rates on loans. One of our strengths has always been our care and concern for members and their families Our whole philosophy of business is based on member service.
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  • 8602 Canyon Rd East, Puyallup, WA, 98371
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