In 2026, the maximum USDA loan in Platte-City, Platte county, MO is $311,800, whereas for FHA, the cap is $389,850 for a single-family home.
To assess current USDA versus FHA top rates, utilize the Lendersa® USDA loan calculator. It helps ascertain the income, credit, reserves, and required documentation for qualification. Our comprehensive mortgage calculator allows you to juxtapose USDA, FHA, Conforming, and VA loans side-by-side, aiding you in identifying the best option for your financial needs in
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| Loan Type | Loan Limit | Down payment | |
| USDA | $311,800 | 0% | |
| FHA | $389,850 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The primary aim of Lendersa® is to get you a top-notch USDA or FHA loan quickly and without complexity. Choose from three pathways to link with lenders and access USDA loan programs.
A USDA home loan is a government-guaranteed mortgage issued by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage—it is limited to rural areas. The USDA mortgage does not necessitate any down payment, unlike FHA loans, which require at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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