USDA and FHA Pro and Con in St.-Clair, Franklin County, MO
In 2026, the USDA loan limit for St.-Clair, within Franklin county, MO, is $285,000. The FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, helping you determine which program in Alabama best suits your financial situation.
2026 Loan Limits and Down Payment in St.-Clair, Franklin, MO
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in St.-Clair, MO
The aim of Lendersa® is to help you find the best USDA or FHA loan effortlessly. Select one of three paths that lead to matching lenders and USDA programs.
A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is offered in rural areas exclusively. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages have no down payment requirement, making them more accessible for eligible borrowers.
959 North Commercial Avenue, Saint Clair, MO, 63077
Lends in Missouri
We at Farmers & Merchants Bank appreciate our customers and Facebook Fans, and we strive to give you the best customer service possible. That is why we encourage you to contact us directly if you have questions about your account.Facebook Fans, and we strive to give you the best customer service possible.
Our mission is to protect customer deposits through safe and sound operations of the bank, to be leaders in supporting our community while providing an above average return on our stockholders' investments and providing our employees with an excellent opportunity for growth and advancement.
Sullivan Bank formerly Bank of Sullivan was founded in 1895 and continues to operate by the principles that formed our charter: stability, strength and service.The bank is a locally owned financial institution chartered by the State of Missouri. It is a member of the Federal Deposit Insurance Corporation (FDIC).
The Bank of Washington, headquartered in Washington, Missouri, is proud to be the oldest and largest independently owned bank in Franklin County. Since 1877, as a community bank we have focused on hometown friendliness, personal attention and treating every customer like family. The spirit of the Bank of Washington is deeply rooted.
At Bank of Franklin County, we’re committed to serving the needs of the residents and businesses of this community.As part of this commitment, Bank of Franklin County operates five convenient locations, a mortgage subsidiary, Franklin Mortgage Company, and an investment management subsidiary.
1381 High Street, Suite 107, Washington, MO, 63090
Lends in Missouri
Franklin Mortgage Company proudly serves Franklin and St. Charles counties, working to provide home loans with competitive interest rates and low closing costs. Our experienced mortgage professionals are committed to top-notch customer service that is honest and fair. We’re proud to serve repeat customers throughout the years.
We’re not just a bank. We’re a really good bank. One that helps you take care of your money without having to work too hard, because you already work hard enough. Whatever you need from your bank, you can find it right here. Bank Star's headquartered in Fulton, MO & also has branches in New Bloomfield, Lake Ozark, and Osage Beach -all in Missouri.
Jefferson Bank & Trust was organized & incorporated in Missouri on July 20, 1892. It was one of the earliest neighborhood banks in the City of Saint Louis.The bank’s 1st location was at the Northwest corner of Jefferson and Franklin. Over the last century, Jefferson Bank and Trust has earned an enviable reputation.
De Soto Mo Pac Credit Union, founded in 1939, is a federally insured, member-owned, not-for-profit financial institution. Our purpose is to promote the financial well-being of its members. We offer our members higher rates on savings, and lower rates on loans. One of our strengths has always been our care
