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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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