USDA Vs. FHA Pro and Con comparison in Scott-City, Scott County, MO
In 2026, the USDA loan limit in Scott-City, Scott county, MO, is $285,000. Meanwhile, the FHA limit for a single-family home stands at $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in choosing the most suitable program for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Scott-City, Scott, MO
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Options in Scott-City, MO
The mission of Lendersa® is to provide you with the best possible USDA or FHA loan promptly and without hassle. Choose from three starting points that enable matching with lenders and suitable USDA programs.
A USDA home loan is a mortgage backed by the U.S. Department of Agriculture, referred to as a USDA rural development loan. Available only in rural areas, it does not require the typical down payment imposed by FHA loans, which demand at least 3.5% down. This offers a distinct benefit for those qualifying in these locales.
2 South Mount Auburn Road, Cape Girardeau, MO, 63703
Lends in Missouri
We are a community bank committed to providing high quality service to our customers and an excellent working environment for our employees and are actively involved in the communities that we serve. We offer a wide range of traditional depository products, mortgage loans, business and consumer loans, online banking and mobile banking.
Cape Regional Credit Union has been open since 1971. The credit union has assets totaling $17.03 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
2511 Independence, Suite 400, Cape Girardeau, MO, 63703
Lends in Missouri
The Mortgage Place is a local start-up that began in Cape Girardeau’s Marquette Tech District as a member at Codefi. The Mortgage Place leverages sophisticated technology developed by NexSpring to give borrowers hundreds of home loan options when purchasing, refinancing, constructing or obtaining a reverse mortgage.
Highway Crossroads Credit Union was founded in August of 1953 to serve the employees, retirees, and the immediate family members of Missouri Department of Transportation (Southeast District) and Missouri State Highway Patrol (Troop E).Today, Highway Crossroads Credit Union has over 1, 600 members and assets of $14.0 million.
Montgomery Bank is a family-owned community bank, helping fiscally responsible businesses and families, with the easiest and friendliest financial solutions. Montgomery Bank's 10 branch locations provide personal and commercial banking services to the communities throughout Southeast Missouri and St. Louis.
Citizens Bank's employees and stock holders are excited to have you visit the site of Mississippi County's Home-Town bank. We are your family, friends and neighbors, and have been providing quality service to this area since 1957. Our goal is to help our customers feel at home and comfortable while attending to their finances.
The Bank of Advance was established in 1902 to serve the financial needs of the community. Since that time, we've been investing in the area communities we serve to make them better places to live and work. Our high level of personal service and dedication is evident as we strive to satisfy our customers' financial needs & promote our communities.
We’ve been building a strong legacy for our customers and communities since 1887. Yeah, we’ve been doing this for a long time. In 1994, we became a publicly traded company. In 2009, we began to grow exponentially. Today, with $2.4 billion in assets, we serve more than 40 communities in Missouri, Arkansas, and Illinois.
