USDA Loan Vs. FHA loan for Smithville, MO [Clay County Rates 2023]

In 2025, USDA loan limit in Smithville, county of Clay, MO is $345,000 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Smithville, MO

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Missouri?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(763) 777-5800 401 miles Lender's profile and map Reviews Homes For Heroes 9201 West Broadway Ave, Suite 615, Minneapolis, MN, 55445 Homes for Heroes, Inc., has helped over 51, 000 heroes save over $91 million on their real estate transactions, sold over $12 billion in real estate to heroes, actively partnered with more than 4, 200 like-minded real estate and mortgage professionals who’ve joined in the mission, and donated over $1 million to heroes.
(620) 384-7451 401 miles Lender's profile and map Reviews The Valley State Bank 110 W Ave B, Syracuse, KS, 67878 Our History The Valley State Bank was chartered on July 5, 1905, when the Beaty family, who had extensive holdings in Kansas and neighboring Colorado, realized that a financial institution was needed in the area. John W. Beaty, of Richfield, R. E. Bray of Syracuse, and Dennis Foley were some of the original stockholders.
(620) 384-7441 401 miles Lender's profile and map Reviews First National Bank of Syracuse 11 N. Main, Syracuse, KS, 67878 First National Bank has been serving the communities of Southwest Kansas for over 100 years, with our main bank located in Syracuse, Kansas, a branch in Johnson, Kansas, and two branches in Garden City, Kansas. We strive to be the premier financial institution in the area and are committed to providing the best personal service,
(901) 844-3626 401 miles Lender's profile and map Reviews Source Mortgage and Funding 4812 Wemberley Drive, Memphis, TN, 38125 Our mission is simple and clear: “Approach opportunity with humility, communicate honestly, and serve all with integrity!” Our consultation is completely free, and once we review your information, we will provide you with a no strings attached, financing proposal if we can help. Source Mortgage & Funding, Inc, a Tennessee based mortgage broker.
(773) 935-8829 401 miles Lender's profile and map Reviews Lakeside Mortgage 3025 N. Western Avenue, Suite 102, Chicago, IL, 60618 At Lakeside Our Vision is… To be known as the most Professional and Ethical mortgage company in the Chicago land area. We have but One Mission… We choose to focus on our customers and their needs – One Relationship at a Time. It has made us who we are today and will carry us securely into the future.
(312) 620-1100 401 miles Lender's profile and map Reviews Continuum Capital Funding 4044 North Lincoln Ave, Suite 406, Chicago, IL, 60618 Continuum Capital Funding (CCF) is a direct lender, providing loans to professional re-developers of rental residential and mixed-use properties throughout Chicagoland. Since 2007 we have helped our clients acquire, renovate and stabilize investment properties CCF customers are typically experienced real estate investors.
(773) 328-7500 401 miles Lender's profile and map Reviews Selfreliance Federal Credit Union 2332 West Chicago Avenue, Chicago, IL, 60622 Selfreliance Federal Credit Union is a financial cooperative composed of members of a common background and bond. It exists for their benefit. It must provide varied types of financial services at highest professional levels and create a caring environment for its members. It must foster the ideals of cooperation, promote ethnic strength,
(773) 340-4747 401 miles Lender's profile and map Reviews Silvercreek Finance Corp 1701 N. Ashland Ave, Chicago, IL, 60622 Silvercreek Finance our loan officers: provide you with the tools and support to help you focus on your clients and be more efficient in the loan origination process. Transparent pricing, sales and marketing support, great bonus plan and the opportunity to grow within a company that’s built around you – the loan officer.
(855) 610-1112 401 miles Lender's profile and map Reviews NewCastle Home Loans 1700 W Cortland Street, Suite 207, Chicago, IL, 60622 Headquartered in Bucktown Chicago, our mortgage team offers a variety of loan options in Illinois, Indiana, Michigan, Florida, and Tennessee. Get to know our team and see why we decided to change the game in mortgage lending. We're a full-service mortgage lender. We'll handle your loan from start-to-finish.
(773) 245-6265 401 miles Lender's profile and map Reviews Chicago Hard Money and Bridge Loans 1520 N Damen, Suite D, Chicago, IL, 60622 Chicago Bridge Loan is a hard money lender offering loans throughout Chicago. They provide cash out hard money loans, rental property loans, short term fix and flip loans, hard money bridge loans, and commercial hard money loans. Their loan parameters are versatile, including loans with a maximum LTV of 60%, terms between 6 months and 18 months.