In 2026, 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 .
2026 loan limits and down payment requirements in Troy, Lincoln, MO
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
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.
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.
The Great Depression, expansion and breakthroughs in technology; Peoples Bank & Trust has survived and experienced it all since we opened our doors as Peoples Bank of Hawk Point in 1924. There have been peaks and valleys along the way, but we have never stopped in our commitment to providing the best banking and lending products
In 1906 a group of local farmers gathered to talk about a vision they had of opening a local community bank. In September of 1906, their dream became reality when they opened the doors for business to the Bank of Old Monroe.
Today, the Bank of Old Monroe serves Lincoln, Pike, Warren and St. Charles counties with 5 locations in Old Monroe,
100 Veterans Memorial Parkway, Wright City, MO, 63390
Lends in Missouri
FMB Bank is your Community Bank. We are not a huge multi-bank holding company. We are your friends and neighbors and we pride ourselves in providing you with the level of personal service you may find lacking in many of the super-regional banks. Our employees regularly support local organizations with their time and talent.
Alltru Credit Union is a member-owned, not-for-profit financial cooperative dedicated to helping our members achieve their financial dreams. For over 50 years, Alltru has provided members with a full line of dependable financial products and services such as loans, investment, savings, credit and debit cards, online banking,
The Loan Machine offers installment loans and lines of credit of any amount up to $5, 000*. These are unsecured signature loans. We offer easy repayment terms, and our rates are typically less than half of those charged by payday loan companies. The Loan Machine is here to take some of the worry out of your situation.
Ed Bauwens Owner at Mortgage 143 LLC. Ed have been a Mortgage Loan Specialist for the past 20 years. Ed Bauwens started his own Mortgage Brokerage company in 2020, to make you my first priority, while also helping fit your budget and terms into your most important investment; YOUR HOME!
1000 Lake Saint Louis Blvd, Suite 208, Lake Saint Louis, MO, 63367
Lends in Missouri
Our company was founded in 1999 with your best interest in mind. Almost two decades of experience in the mortgage business and helping clients like you achieve their goals helps to set us apart! We pride ourselves in taking the time and effort to get to know you and better help you understand the mortgage process.
Jonesburg State Bank is a community oriented financial institution. Since its incorporation, the bank has been a rock solid member of the community whose name stands for integrity and commitment to Montgomery and Warren counties and the surrounding area. We’ve had the same name, been within one block of the original location.
The Missouri Bank is an independently-owned and operated community bank primarily serving Warren, St. Charles, Pettis, Boone and Gasconade counties. Established in 1939, it is the oldest bank in Warrenton. We’ve been an industry leader in community banking since our inception, providing the latest in financial technologies to meet the needs.
