USDA and FHA Pro and Con in St.-Clair, Franklin County, MO
In 2025, 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.
2025 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.
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