In 2025, the USDA loan limit in Troy, located in Lincoln, MO, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today’s USDA vs. FHA optimal rates and determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA programs side by side, assisting you in selecting the most suitable option for your financial circumstances in
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| Loan Type | Loan Limit | Down Payment |
|---|---|---|
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to promptly provide the top USDA or FHA loan with minimal hassle. Select one of three starting options that match you with lenders and USDA loan programs.
The USDA home loan is a government-backed mortgage from the Department of Agriculture, often known as the USDA rural development loan or USDA mortgage, and is strictly available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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