USDA Loan Vs. FHA loan for Troy, MO [Lincoln County ]

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 .

Exploring USDA and FHA loan options in Troy, MO

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.

Loan Type	Loan Limit	Down Payment
USDA	$336,500	0%
FHA	$472,030	3.5%
Conventional Conforming	$726,200	3%

Lendersa USDA loan request and matching results

Understanding USDA Loan in MO

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.

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(787) 769-1496 Lender's profile and map Reviews Home Mortgage Bankers Avenida Sánchez Osorio, 3BS-5, Via 60, Carolina, PR, 00983 Home Mortgage Bankers is a purely Puerto Rican mortgage bank. Founded in 2005 by its president and chief executive officer, Mr. Luis Ramírez Vicens. Mr. Ramírez has over 25 years of banking experience in Puerto Rico. Our purpose has always been to provide an excellent service with an immediate response.
(340) 779-2265 Lender's profile and map Reviews Merchants Commercial Bank 4608 Tutu Park Mall, Suite 100, St Thomas, VI, 00802 Merchants Commercial Bank was created to provide state-of-the-art financial resources and solutions to the Virgin Islands business and professional community. MCB is a Virgin Islands chartered, FDIC insured, boutique commercial bank bringing state-of-the-art internet and traditional banking services to the Virgin Islands community.
(340) 774-1299 Lender's profile and map Reviews St. Thomas Federal Credit Union 5027 Norre Gade, St Thomas, VI, 00802 St. Thomas Federal Credit Union (STTFCU) is a non-profit financial organization with over 7, 500 members and assets of over $78 million dollars. Since 1952, STTFCU has been an integral part of the Virgin Islands community. We provide our members with opportunities to save, borrow, and improve their overall financial wellness.
(340) 772-0435 Lender's profile and map Reviews Frederiksted Federal Credit Union 59 Queen Street, Frederiksted, VI, 00840 Frederiksted Federal Credit Union located in historic downtown Frederiksted, St. Croix, U.S.V.I. We here at FFCU have been serving the Virgin Island community for over six decades. We take pride in the strong, personable, and long lasting relationships that we have built with our members throughout the years.
(340) 773-5444 Lender's profile and map Reviews Christiansted Federal Credit Union 43 King Street, Christiansted, VI, 00820 The Christiansted Federal Credit Union is a member owned, non-profit financial institution that reinvests its members’ money and provides a full range of personal and affordable financial services to our community. Our goal is to stimulate community development by providing a safe, sound, democratic alternative to traditional banking.
(907) 225-9063 Lender's profile and map Reviews Tongass Federal Credit Union 2000 Tongass Avenue, Ketchikan, AK, 99901 Tongass Federal Credit Union is a not-for-profit financial cooperative. TFCU is nestled in remote Southern Southeast Alaska and based out of Ketchikan, often called "Alaska's First City." TFCU has four branches: Ketchikan, Klawock, Metlakatla, and Wrangell and four community Microsites: Thorne Bay, Hydaburg, Kake, and Hoonah.
(907) 228-4474 Lender's profile and map Reviews First Bank 331 Dock Street, Ketchikan, AK, 99901 For over 95 years, First Bank has been providing financial services to Southeast Alaska. We are proud to have built a solid reputation of providing the best financial services to generations of residents in our communities. First Bank is a local Bank that's been serving Southeast Alaska since 1924. We know our community, its citizens
(907) 523-4700 Lender's profile and map Reviews TRUE NORTH FEDERAL CREDIT UNION 2777 Postal Way, Juneau, AK, 99801 True North Federal Credit Union, chartered in 1948 as a not-for-profit full-service cooperative financial institution and also True North Federal Credit Union is dedicated to your financial well-being while providing convenient access to valuable products and services. Learn more about the spirit of our credit union.
(907) 745-4891 Lender's profile and map Reviews Matanuska Valley Federal Credit Union 1020 S. Bailey Street, Palmer, AK, 99645 At Matanuska Valley Federal Credit Union (MVFCU), our members are a family with the belief that together we can do better. Our goal is to help members build a better financial future - and we’ve been doing that since 1948. MVFCU is a not-for-profit financial cooperative, owned and controlled by our members.
(907) 459-5990 Lender's profile and map Reviews Spirit of Alaska Federal Credit Union 1417 Gillam Way, Fairbanks, AK, 99701 "Spirit of Alaska Federal Credit Union (Spirit of Alaska) was founded in 1960. In the beginning, it was a small organization located in the Constitution Hall’s Viking Room at the University of Alaska Fairbanks. When it opened, Spirit of Alaska had $32, stored in a metal cash box. The driving force behind the credit union’s founding was four te
(907) 456-1400 Lender's profile and map Reviews Denali State Bank 119 N Cushman St, Fairbanks, AK, 99701 Denali State Bank. We’re a full-service community Bank based in FairBanks, Alaska.We opened our doors in 1986 with the belief that our community and customers want and deserve to work with a Bank where all Bank decisions impacting their financial security are made right here in FairBanks.
(907) 452-1751 Lender's profile and map Reviews Mt. McKinley Bank 500 Fourth Ave, Fairbanks, AK, 99701 Mt. McKinley Bank is the oldest and largest local financial institution in FairBanks. For over 50 years we have provided millions of dollars in residential mortgage financing offering in-house loans and local servicing in our effort to provide the best possible customer service. Today, our goals as a mutual Bank are the same as they were in 1965.