For 2025, the USDA loan limit in St.-James, located in Phelps county, MO, is $285,000. Meanwhile, the FHA limit for a single-family residence is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate and compare today’s leading USDA vs. FHA rates. Assess the required income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator provides a side-by-side analysis of USDA, FHA, Conforming, and VA loans, assisting in selecting the right program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is aimed at quickly securing the best USDA or FHA loan, free of hassle. Choose one of three starting pathways that lead to appropriate lenders and USDA loan offerings.
A USDA home loan, also known as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture. It is specifically available in rural areas, requiring no down payment, unlike FHA loans that necessitate at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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