In the year 2026, the limit for a USDA loan in Richmond, which is in Ray county, MO, is set at $345,000. Meanwhile, for a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's most favorable USDA and FHA rates. Determine the required income, credit score, reserves, and necessary documents to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side, enabling you to select the most suitable program for your financial needs in .
Loan Limits and Down Payment Details for 2026 in Richmond, County of Ray, MO
Type of Loan
Maximum Loan Limit
Down Payment
USDA
$345,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Richmond, MO
Lendersa® is dedicated to securing you the ideal USDA or FHA loan promptly and with minimal hassle. Choose from three different starting points to identify matching lenders and find suitable USDA programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment, making them a unique option for eligible borrowers.
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171 N La Brea Ave, Suite 100, Inglewood, CA, 90301
At MHC Properties, we take a fresh approach to residential and commercial real estate and mortgages. By making the transaction transparent, upfront, and as simple as possible, we’re taking much of the worry and needless aggravation out of the equation.residential and commercial real estate and mortgages.
Sunset Equity Funding is a nationwide direct private money and hard money lenders based in Los Angeles, CA. We offer competitive commercial financing programs for real estate investors. Loans range from $100K – $50M million in size and we are able to fund in 48 hours or less. We expedite the loan cycle, so you can continue to scale your business.
2824 South Robertson Boulevard, Los Angeles, CA, 90034
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RCN Capital®, LLC is a national, direct private lender. We provide short-term commercial loans ranging from $50k to $2.5M+ to fund the purchase and rehab of non-owner occupied residential and commercial properties, provide bridge loans, and provide real estate-backed lines of credit.
Discover Flexi-View Lending—your trusted financial partner! With a dedicated team led by Jesse Low, we empower clients through personalized lending solutions. Whether you're purchasing a new home or refinancing, our tailor-made services adapt to your financial goals. Contact us at info@flexi-viewlending.com for advice that transforms dreams into re
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Scott Griffin Financial Management Solutions specializes in high-end residential mortgages, offering loans in California. The brokerage caters to high-net-worth individuals to offer 'A' Paper Jumbo Loans through concierge-grade, specialized service.Scott Griffin Financial is one of only a small number of brokerages that can offer the patented.
