In 2025, the USDA loan limit for Overland, in St. Louis county, MO, is $0, whereas the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's optimal USDA vs FHA rates and ascertain the income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side-by-side, aiding in determining the best financing option for your needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to quickly connect you with the best USDA or FHA loan, hassle-free. Choose one of three starting pathways to engage lenders and USDA loan programs.
The USDA home loan is a government-assisted loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is available only in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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