USDA Vs. FHA Pro and Con comparison in Springfield, Greene County, MO

For 2025, the USDA loan limit in Springfield, within Greene county, MO, is $336,500, whereas the limit for FHA is $472,030 for a single-family home.

Utilize the Lendersa® USDA loan calculator to explore and compare the most favorable USDA and FHA rates today. Determine the necessary income, credit score, reserves, and required documents for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you to choose which program in best suits your financial needs.

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2025 Loan Limits and Down Payment Requirements in Springfield, Greene County, MO

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Opportunities in Springfield, MO

The mission of Lendersa® is to provide you with the best USDA or FHA loans quickly and hassle-free. Choose from one of three starting options that connect you with matching lenders and USDA loan programs.

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Understanding USDA Loans in MO

A USDA home loan, guaranteed by the government's Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is solely available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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