USDA Vs. FHA your options comparison in Platte-City, Platte County, MO
In 2025, 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 .
2025 loan limits and down payment criteria for Platte-City, Platte county, MO
Loan Type
Loan Limit
Down payment
USDA
$311,800
0%
FHA
$389,850
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Opportunities in Platte-City, MO
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.
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