USDA Vs. FHA your options comparison in Smithville, Clay County, MO
For the year 2025, the USDA loan limit for Smithville, which is in Clay County, MO, is set at $345,000. In contrast, the FHA loan limit for a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare today's optimal USDA against FHA rates and determine the necessary income, credit score, reserves, and documents required for approval. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA products to help you choose the most suitable program for your financial needs in .
Loan Limits and Downpayment Requirements for 2025 in Smithville, Clay County, MO
Loan Type
Loan Limit
Down Payment
USDA
$345,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Smithville, MO
The objective of Lendersa® is to seamlessly connect you with the most favorable USDA or FHA loan swiftly and without complication. Choose one of three avenues to find matching lenders and explore USDA loan plans suitable for you.
The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available for rural areas. Unlike FHA loans, which typically require at least a 3.5% down payment, USDA loans offer the advantage of requiring no down payment at all.
9550 Warner Avenue, Suite 200, Fountain Valley, CA, 92708
Choice Home Mortgage is a mortgage broker based in Southern California. Our team of experts will work around the clock to find the best possible rate. We understand that your mortgage is much more then an interest rate. It is your home, your future and your financial security. Make the Right Choice. At Choice Home Mortgage.
Optimum First Mortgage! We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.Having funded over 20, 000 loans since our inception, we have solidified ourselves as the low price leader in the lending marketplace. Our reputation speaks for itself with over 3000 positive online reviews
9550 Warner Ave, Suite 250, Fountain Valley, CA, 92708
At Lininger Mortgage, we are committed to providing top-notch assistance with originating and processing loans. Established in 2015, we are a loan broker company serving various clients in the California area. Count on our dependable team of licensed loan processors and officers to help you from start to finish.
10061 Talbert Avenue, Suite 345, Fountain Valley, CA, 92708
Bryson Team with Centerpointe Real Estate mission to raise $25, 000 for Together We Rise, so for every HomeOwner We Help (Sell A Home), For Every Home Buyer We Help (Find Their Dream Home) Or Mortgage Loan We Process (Refinance, Reverse Mortgage, & Equity Lines), we donate a Large Portion of our Income to TWR.
17220 Newhope St, Suite 213, Fountain Valley, CA, 92708
Lending 3 was founded in 2003. We dedicate ourselves to providing first class customer service.We believe in offering our customers with a personalized mortgage experience from beginning to end.Lenders will commonly require you to provide additional information such as a valid social security number and submit to a credit check.
8942 Garden Grove Boulevard, Suite 207, Garden Grove, CA, 92844
At America Smart Home, 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.
8942 Garden Grove Boulevard, Suite 210, Garden Grove, CA, 92844
First Goldstars, Inc. We are a professional and responsible real estate and mortgage broker. We are here to assist you with all your real estate and mortgage needs. We have many years of experience in real estate and we take pride in excellent customer service. Our clients' needs are our priorities. Our goal.
Mario Loans 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
Our mission To help our member-owners and employees achieve financial fitness. We are committed to providing quality products and services that help you win with money We are proud to say that your Credit Union is financially strong and has a great future.We wonder if the first 17 members ever envisioned that we would grow to become a $207 million.
305 Pasadena Avenue South, South Pasadena, CA, 91030
Huntington Group is A Full Service Real Estate and Mortgage Company. Huntington Group seeks to assist potential clients with prequalification, Real Estate and mortgage services. In addition, Huntington Group can assist potential clients with Bridge or Hard Money Financing. Huntington Group serves all of Southern California.
