USDA Vs. FHA your options comparison in St.-Joseph, Buchanan County, MO
In the year 2025, the USDA loan threshold for St.-Joseph in Buchanan county, MO stands at $285,000 while the FHA sets its limit at $356,362 for single-family residences.
Leverage the Lendersa® USDA loan calculator to evaluate the current best rates for USDA compared to FHA. Determine the necessary income, credit score, reserves, and documentation for qualification. Our sophisticated mortgage calculator also allows you to compare USDA, FHA, Conforming, and VA loans side by side to assess the most suitable options in for your unique financial needs.
Loan limits and down payment requirements for 2025 in St.-Joseph, Buchanan county, MO
Loan Category
Maximum Limit
Minimum Down Payment
USDA
$285,000
None
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA loan alternatives in St.-Joseph, MO
The aim of Lendersa® is to secure you the most favorable USDA or FHA loan options swiftly and effortlessly. You can choose from three starting options designed to help you align with matching lenders and USDA loan plans.
USDA home loans, sanctioned by the governmental Department of Agriculture, are otherwise known as USDA rural development loans or USDA mortgages. These are specifically available for homes in rural communities. Unlike FHA loans that necessitate a 3.5% down payment, USDA loans do not require any initial deposit.
DN Community Federal Credit Union was founded on June 24, 1954 as Diebold Employees Credit Union. The original field of membership included employees of the Canton and Malvern, Ohio plants of Diebold, Inc. and their immediate families. The credit union was organized with the purpose "to provide a convenient place for employees to save regularly
In 1960, teachers and administrators at Plain Local Schools wanted an alternative to big, for-profit banks.They got together & opened our credit union on January 16, 1961.There was no online banking, debit cards or even checking accounts.Instead, they operated out of a shoe box. It was a place for some people to save money & others to borrow money.
American First Bancorp, Inc. is the most efficient and honest way to purchase or refinance a home. American First Bancorp, Inc. creates the best solution for borrowers from a huge variety of programs. We operate at the highest level of integrity, deliver on our commitments, which builds a foundation of trust with our customers.
2340 Perimeter Park Drive, Suite 200, Atlanta, GA, 30341
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
We are dedicated to providing a 5 star level of service to our clients and referral partners! We take a concierge style approach with every client to ensure the highest level of customer service! Our mission is to value others ahead of ourselves. We provide strategic mortgage planning to our clients to help meet their needs.
FIRM Financial LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you
4360 Chamblee Dunwoody Rd, Suite 206, Atlanta, GA, 30341
Amerihome Loan Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
Home Pointe Mortgage Company will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you.
Since 1996, Signature Mortgage is an INC 500 fastest growing company and we have closed over $4 billion in residential loans – that’s over 20, 000 satisfied families! We have a 5 STAR Rating on social media for delivering world class customer service and communication throughout the mortgage process
We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. Using our online loan application, you can take your time and complete your application whenever it's convenient for you.
