USDA Loan Vs. FHA loan for Rock-Hill, MO [St. Louis County ]

In 2026, the USDA loan limit for Rock-Hill, within St. Louis county, MO, stands at $0, whereas the FHA limit for a single-family home is $356,362.

Leverage the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. It helps determine the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA programs side by side, assisting you in choosing the best fit for your financial situation in .

USDA and FHA Loan Options in Rock-Hill, MO

Lendersa® strives to connect you with the best USDA or FHA loan without hassle. Choose one of three starting options that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

The USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is available exclusively in rural locations. Unlike FHA loans, which require a down payment of at least 3.5%, a USDA mortgage requires no down payment.

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(314) 434-4141 Lender's profile and map Reviews Commercial Bank 2330 West Port Plaza Drive, Saint Louis, MO, 63146 Commercial Bank is an independent bank specializing in relationship banking. We focus on personal relationships with you, our customer. While providing this "good old fashioned" brand of service we still provide the latest banking technology. Come visit us and let Commercial Bank show you what we can offer you.
(314) 422-0649 Lender's profile and map Reviews Mortgage Partners Group 11862 Lackland Rd, Saint Louis, MO, 63146 Mortgage Partners Group our seasoned Loan Officers are Partners of the Firm. Our Loan Officer-Partners understand that there is nothing more important in the home loan process than a client understanding his or her mortgage loan options. That is why we offer a wide variety of home loans so you can find the right option to fit your goals.
(314) 395-8300 Lender's profile and map Reviews Mason Mortgage Advisors 11862 Lackland Rd, Saint Louis, MO, 63146 Mason Mortgage Advisors, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(888) 360-8794 Lender's profile and map Reviews US Wide Financial 2200 W Port Plaza Dr, Suite 312, Saint Louis, MO, 63146 US Wide Financial was founded in March of 2009, on the heels of the Great Recession. Trust and integrity in the lending industry had been lost. We started our company because we wanted to do things differently and bring back the basics. Today our values are still the same: Relationships, Trust, Integrity, Teamwork.
(314) 878-7900 Lender's profile and map Reviews First Integrity Mortgage Services 1807 Park 270 Drive, Suite 265, St. Louis, MO, 63146 Our reputation makes us far from a secret. However, some people may be unfamiliar with our private Mortgage Banking firm. Unlike big-tent lenders, we refuse to flood our clients with unwanted cross-selling offers of credit cards, money markets, auto loans. Clients come to us from sources more powerful than television, radio or any print media.
(314) 567-4653 Lender's profile and map Reviews Golden Oak Lending 11737 Administration Drive, Saint Louis, MO, 63146 Golden Oak Lending, we speak mortgage and love translating it for you.The mortgage industry is full of technical, industry-based terminology and our local, experienced loan officers will help you make sense of it all in an easy-to-understand way. Our team uses this knowledge to align the right loan program that fits your needs & puts more savings.
(314) 569-5003 Lender's profile and map Reviews LoanSum, LLC 150 Weldon Pkwy, Suite 103, Maryland Heights, MO, 63043 The LoanSum Difference means that you will not find another hard money lender who will close your loan faster and with less paper work (no tax returns or financial statements). LoanSum offers a flexible term up to 12 months for both new and existing customers.Loansum provides commercial & residential properties
(314) 453-1780 Lender's profile and map Reviews Division #6 Highway Credit Union 14392 S Outer Forty Road, Chesterfield, MO, 63017 Division #6 Highway Credit Union has been in business since 1953 serving MoDot and Missouri State Highway Patrol employees and their families. Anyone employed by the Missouri Department of Transportation in District Six, or employed by the Missouri State Highway Patrol, Troop C, is eligible to become a member
(636) 207-6566 Lender's profile and map Reviews AA Mortgage Corp 14346 Manchester Road, Manchester, MO, 63011 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(314) 275-0314 Lender's profile and map Reviews Shelter Mortgage Inc 10 Strecker Road, Suite 1280, Ballwin, MO, 63011 "I’m Michael Miget, the founder of Shelter Mortgage, Inc. and creator of the “Better Home Financing” system and strategies. I am a native St. Louis resident and I’ve spent the last 27 years applying my home loan expertise in mortgage, real estate and finance. My passion is helping people just like you make educated, wise"
(314) 787-0292 Lender's profile and map Reviews Access Capital Funding, LLC 14366 S Outer 40, Chesterfield, MO, 63017 Access Capital Funding, LLC has been providing St. Louis home loans for more than 20 years. We specialize in FHA loans, VA loans, USDA loans and Conventional home loans. Thousands of First Time Homebuyers have used our services. Our No Cost Refinance is a Missouri and Illinois home loan favorite, saving our clients thousands in closing cost.
(636) 282-4900 Lender's profile and map Reviews Family Finance Mortgage 1787 Jeffco Boulevard, Arnold, MO, 63010 Our mortgage professionals give you the individual service you deserve and treat you right. You are making a commitment in buying a house, refinancing a mortgage, or tapping into your home equity. So in turn, we make a commitment to you: we will help you qualify, apply and be approved for the best mortgage loan for you.