USDA and FHA Pro and Con in St.-Louis, St. Louis County, MO
In 2026, the USDA loan ceiling in St.-Louis, situated in St. Louis county, MO, reaches $0, whereas the FHA limit stands at $356,362 for a single-family dwelling.
Leverage the Lendersa® USDA loan calculator to evaluate the top USDA versus FHA rates available today, determining the income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator presents a side-by-side view of USDA, FHA, Conforming, and VA loans to determine which program in is optimal for your financial circumstances.
2026 Loan Limits and Down Payment Requirements in St.-Louis, St. Louis County, MO
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in St.-Louis, MO
The aim of Lendersa® is to swiftly provide you with the best USDA or FHA loans, without hassle. Choose from one of three starting points, leading to matching lenders and USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans demand no down payment at all.
Pinnacle Real Estate Advisor Home Loans is a locally owned and operated mortgage company located at 2020 Marconi Ave in the heart of The Hill. The Pinnacle Team was established in August 2014 and is now run by Chris Gianino, President, and Bill Lally, CEO. Pinnacle was founded from the need for a more streamlined residential lending process
LIndell Bank is a full service community bank with 12 locations in the greater St. Louis area. It has over $500M in total assets and a capital to asset ratio of over thirteen percent. We are relationship bank and welcome your business. Please contact me for all of your banking needs.
To provide our customers with pre-owned auto loans, personal loans, and appliance sales with an unmatched level of service. When customers call during business hours, they will be greeted by a person, not a recording, or automated operator. We believe in the personal touch. This has been the way we have conducted business for over 65 years.
4501 Lindell Blvd, Suite 7G, Saint Louis, MO, 63108
Lends in Missouri
Bayard Business Capital and Consulting (BBCC) is a private commercial bank. We provide both debt capital and consulting services. We do not accept deposits or participate in consumer financial services. Debt capital is provided as either a correspondent for 40 different lenders, associated private investors, or direct from BBCC.
St. Louis Community is more than a credit union. As the social conscience of banking®, we’re a leader and voice for social justice in the financial services world. For 75 years and counting, we have been changing lives and giving back to the individuals and communities we humbly serve.
St. Louis City Police Headquarters since it’s establishment in 1934. The Credit Union was established to help new Policemen obtain loans to purchase their uniforms. We have definitely grown since then. We now offer several Account Types and Loan Programs. We also offer services from money orders, to online banking for our members.
We are an independently owned community bank and have been since our founding in 1915, making us one of the oldest banks in the state of Missouri. Since then CNB St. Louis Bank has continued to serve our community and customers with a focus on personal service, positive experience, and accessibility.
Together Credit Union (formerly Anheuser-Busch Employees' Credit Union and affiliates, American Eagle Credit Union and Purina Credit Union) provides financial services and guidance to help over 133, 000 members nationwide achieve their best life.We are a $1.98 billion asset, full-service financial institution with 30 branches across the nation.
112 South Hanley Road, Suite 120, Clayton, MO, 63105
Lends in Missouri
M1 Bank is a Boutique Financial Institution specializing in Low-to-Moderate Income Housing (LIHTC), Renewable Energy (ITC – Investment Tax Credit) and Historic Tax Credit Development Lending on a National Scale.
M1 is a High-Performance Financial Institution recognized by S&P Global as one of the Top 100 performing institutions
