As of 2025, the USDA loan cap for St.-Peters in St. Charles County, MO is $285,000, compared to the FHA limit of $356,362 for single-family homes.
Utilize Lendersa®'s USDA loan calculator to access contemporary USDA versus FHA rates, and understand the income, credit, reserves, and essential documentation needed to qualify. With our sophisticated mortgage calculator, compare USDA, FHA, Conforming, and VA loans side by side to choose the most suitable program for your financial needs in
Assess various loan options from 100 lenders
| Loan Category | Maximum Limit | Required Down Payment |
| USDA | $285,000 | None |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The purpose of Lendersa® is to swiftly secure you the optimal USDA or FHA loan without bother. Choose from three different launching points to connect with matching lenders and USDA loan programs.
A USDA home loan, endorsed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is reserved for rural neighborhoods. Unlike FHA loans requiring a 3.5% down payment, USDA loans skip the down payment requirement altogether.
Enter your location to find out if it qualifies for USDA rural housing loan?
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