USDA Vs. FHA your options comparison in St.-Louis, St. Louis County, MO

In 2025, USDA loan limit in St.-Louis, county of St. Louis, MO is $0 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in St.-Louis, county of St. Louis, 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

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Missouri?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Ambridge Area Federal Credit Union
  • 401 State Street, Baden, PA, 15005
  • Ambridge Area Federal Credit Union, NMLS# 785073, was established in Ambridge, Pennsylvania in 1935 for local teachers and their immediate family. For 82 Years, our not-for-profit financial institution has been offering closed membership to employees, their families and students of Ambridge Area School District
  • HT Lending Group, LLC
  • 1730 Rufe Snow Drive, Suite B, Keller, TX, 76248
  • At HT Lending Group has 20+ years in the mortgage industry. HT Lending is a full service mortgage bank truly committed to helping you find the right mortgage product. We understand that every client is different, and we offer a variety of products to meet your individual requirements.
  • Trademark Mortgage
  • 628 Stoneglen Drive, Keller, TX, 76248
  • Trademark Mortgage (NMSL#32139) is a full service mortgage bank. Our goal is to bring integrity, transparency and commitment back to financing the American dream. Whether you need advice on the size of a loan, are investigating the best way to finance a project, or are just looking to compare interest rates, Trademark Mortgage is here to help.
  • The Dunmire Team
  • 8844 Laurel Ln, Keller, TX, 76248
  • The Dunmire Team, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity Combining 21 years mortgage origination experience with the industry-lowest interest rate and closing cost combinations, we won’t be beat! We will help determine the best financing options to fit short and long-term goals.
  • Cheating Debt, LLC
  • 1953 Golden Heights Road, Suite 401, Fort Worth, TX, 76177
  • Cheating Debt is a Credit Repair Service founded in 2016 with the mission to Serve, Educate and Empower people to take control of their credit and finances. Cheating Debt was conceived with the notion of “I wish someone would have taught me that before." Cheating Debt as a cumulative brings decades of private banking, mortgage.
  • Tara Mortgage Services LLC
  • 554 Washington Avenue, Carnegie, PA, 15106
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • SouthWest Communities Federal Credit Union
  • 213 Pine St, Carnegie, PA, 15106
  • SouthWest Communities means members enjoy higher dividends than banks, lower loan rates, low to no fees, & more personalized service than traditional banking, while still having access to the same conveniences, including: free online banking, mobile deposit, bill pay services, free checking, CD's, Christmas & vacation.
  • Princeton Financial, LLC
  • 243 E Main St, Suite 201,, Carnegie, PA, 15106
  • "Since 1997, our team at Princeton has built a strong and trusted reputation as a regional mortgage lender. We serve the various lending needs of real estate professionals, builders, & individual homebuyers throughout Pennsylvania & West Virginia. mortgage lender. We serve the various lending needs of real We’re a full service mortgage lender"
  • Briar Cliff Financial Services
  • 404 Thorn Street, Sewickley, PA, 15143
  • Briar Cliff Financial Services has made over $29 million in commercial mortgage loans on all types of collateral, including single-family, multi-family, retail, office, mixed-use, light industrial, and undeveloped land. Briar Cliff is a direct, privately owned mortgage lender specializing in small to medium size commercial mortgage loans on propert
  • The First National Bank of Moose Lake
  • 400 Elm Avenue, Moose Lake, MN, 55767
  • First National Bank of Moose Lake is a locally owned community bank dedicated to providing caring personal service, maintaining a knowledgeable staff and building long lasting customer relationships. Demonstrating dedication to our customers, community and employees by providing meaningful conversations and services,
  • The State Savings Bank of Manistique
  • 101 South Cedar, Manistique, MI, 49854
  • In 1917 Leo Harmon who was the President of the Consolidated Lumber Company took the lead for starting up The State Savings Bank, the Articles of Incorporation were filed on May 7, 1917. Shortly after, on June 11TH the bank held its first meeting of shareholders twenty-five of which were local and three from St. Paul.
  • Manistique FCU
  • 121 East Elk Street, Manistique, MI, 49854
  • Manistique Federal Credit Union has been open since 1967. The credit union has assets totaling $37.84 Million and provides banking services to more than 3, 000 members. The mission of Manistique Federal Credit Union is to make a positive difference in the financial lives of our members from all walks of life by providing them with a wide range