USDA Vs. FHA Pro and Con comparison in Richmond, Ray County, MO
In the year 2025, 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 2025 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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