In 2026, the USDA loan limit for Rolla, situated in Phelps, MO, is $336,500. Conversely, the limit for an FHA loan on a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to evaluate and compare today's USDA and FHA top rates. This tool helps identify the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator shows the USDA, FHA, Conforming, and VA loans side by side, helping you choose the most fitting program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The main objective of Lendersa® is to swiftly provide you with the best USDA or FHA loan without any complications. Select from one of three starting paths that facilitate finding matching lenders and USDA loan programs.
A USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is specifically designed for rural areas. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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