USDA and FHA Pro and Con in Union, Franklin County, MO
In 2026, the USDA loan limit for Union, Franklin county, MO is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare top USDA versus FHA rates available today, identifying the income, credit, reserves, and documentation needed for eligibility. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in selecting the best option for your financial needs in .
2026 loan limits and downpayment requirements in Union, Franklin, 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 Union, MO
The goal of Lendersa® is to promptly connect you with the best available USDA or FHA loan without hassle. Choose one of three starting paths that guide you to matching lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require none.
Our mission is to protect customer deposits through safe and sound operations of the bank, to be leaders in supporting our community while providing an above average return on our stockholders' investments and providing our employees with an excellent opportunity for growth and advancement.
959 North Commercial Avenue, Saint Clair, MO, 63077
Lends in Missouri
We at Farmers & Merchants Bank appreciate our customers and Facebook Fans, and we strive to give you the best customer service possible. That is why we encourage you to contact us directly if you have questions about your account.Facebook Fans, and we strive to give you the best customer service possible.
The Bank of Washington, headquartered in Washington, Missouri, is proud to be the oldest and largest independently owned bank in Franklin County. Since 1877, as a community bank we have focused on hometown friendliness, personal attention and treating every customer like family. The spirit of the Bank of Washington is deeply rooted.
At Bank of Franklin County, we’re committed to serving the needs of the residents and businesses of this community.As part of this commitment, Bank of Franklin County operates five convenient locations, a mortgage subsidiary, Franklin Mortgage Company, and an investment management subsidiary.
1381 High Street, Suite 107, Washington, MO, 63090
Lends in Missouri
Franklin Mortgage Company proudly serves Franklin and St. Charles counties, working to provide home loans with competitive interest rates and low closing costs. Our experienced mortgage professionals are committed to top-notch customer service that is honest and fair. We’re proud to serve repeat customers throughout the years.
Sullivan Bank formerly Bank of Sullivan was founded in 1895 and continues to operate by the principles that formed our charter: stability, strength and service.The bank is a locally owned financial institution chartered by the State of Missouri. It is a member of the Federal Deposit Insurance Corporation (FDIC).
We’re not just a bank. We’re a really good bank. One that helps you take care of your money without having to work too hard, because you already work hard enough. Whatever you need from your bank, you can find it right here. Bank Star's headquartered in Fulton, MO & also has branches in New Bloomfield, Lake Ozark, and Osage Beach -all in Missouri.
Jefferson Bank & Trust was organized & incorporated in Missouri on July 20, 1892. It was one of the earliest neighborhood banks in the City of Saint Louis.The bank’s 1st location was at the Northwest corner of Jefferson and Franklin. Over the last century, Jefferson Bank and Trust has earned an enviable reputation.
First Community is a cooperative, owned and operated by its members. We are a $3 billion financial institution with over 350, 000 members, serving all of St. Louis County, St. Louis City, Franklin County, Jefferson County, St. Charles County, Warren County, and the Illinois counties of Madison, Monroe and St. Clair.
