USDA Vs. FHA Pro and Con comparison in University-City, St. Louis County, MO

In 2025, the USDA loan limit in University-City, located in St. Louis county, MO, is $0, while the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to evaluate top USDA and FHA rates and figure out the income, credit, reserves, and documents needed for qualification. This advanced mortgage calculator displays USDA, FHA, Conforming, and VA side by side, assisting in selecting the best program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in University-City, St. Louis, MO

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in University-City, MO

Lendersa® aims to provide the best possible USDA or FHA loans quickly and without hassle. Opt from three starting points to access matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Explaining the USDA Loan in MO

The USDA home loan, also referred to as a USDA rural development loan or mortgage, is backed by the government Department of Agriculture and available only in rural areas. Different from FHA loans, which require at least a 3.5% down payment, USDA loans demand no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • University Lending Group is to offer high-quality mortgage services to all customers. The goal is to provide customers with fair mortgage rates at reasonable prices, while keeping our customers informed and educated throughout the process. We will maintain a professional environment that is challenging, rewarding, creative, and respectful of ideas.
  • Performance Mortgage LLC
  • 1000 East Judge Perez Dr., Chalmette, LA, 70043
  • Performance Mortgage LLC wants to be your FIRST CHOICE in delivering the American dream of homeownership. We want to inspire hope in our customers that they can fulfil their dream of being a homeowner. As your local New Orleans and Chalmette mortgage lender.Our mission at Performance Mortgage LLC is to value our customers.
  • Elderton State Bank
  • 143 Main Street, Elderton, PA, 15736
  • Elderton State Bank’s mission is to create long-term value for customers, shareholders, employees, and the communities we serve by providing high quality, personal service Elderton State Bank was founded in Elderton, Pennsylvania in 1919. Since that time, the Bank has grown in assets to over $230 million and serves customers in 20 Pennsylvania coun
  • Gateway 2 Cap LLC
  • 201 Saint Charles Avenue, Suite 114-215, New Orleans, LA, 70170
  • The Gateway 2 Cap LLC team is committed to providing all clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Tulane Loyola Federal Credit Union
  • 1440 Canal Street, Suite 101, New Orleans, LA, 70112
  • Tulane-Loyola Federal Credit Union is federally chartered and regulated by the National Credit Union Administration. Like all credit unions, we are a financial cooperative institution, and operate not for profit, but for service to our member-owners. Our Credit Union was chartered on September 9, 1979 to serve the employees of Tulane University.
  • Simple Lending by Mortgage Dynamics
  • 1615 Poydras St, Suite 940, New Orleans, LA, 70112
  • Simple Lending is comprised of several loan experts with over 60 years of combined Mortgage and Real Estate experience. We provide a variety of loan products from loans for primary residences purchase, refinances, investment properties, Fix and Flip loans, commercial and construction loans.
  • The Real Estate Authority Lending LLC
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  • We've been helping customers afford the home of their dreams for many years and we love what we do. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
  • Hancock Whitney Bank
  • 701 Poydras Street, New Orleans, LA, 70139
  • We create opportunities for our clients and the communities we serve. We offer a wide array of banking and financial services at locations in Alabama, Florida, Louisiana, Mississippi and Texas. Our core values are lived out by the actions of our associates throughout our footprint.
  • SWBE FCU
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  • We are a full-service not for profit financial institution, dedicated to serving our members. As a shareholder, we are able to return our earnings to you in the form of higher dividend rates on savings and lower rates on loans.We take great pride in helping you get the best value for your dollar.
  • Community South Credit Union
  • 1720 S Waukesha St, Bonifay, FL, 32425
  • Start your lifelong financial partnership with a credit union that is dedicated to serving its community and its members. Come catch the good life and see what good natured banking is all about!credit union that is dedicated to serving its community and its members. Come catch the good life
  • Artesian City Federal Credit Union
  • 100 Flint Avenue, Albany, GA, 31701
  • Artesian City Federal Credit Union was founded in 1950 on the credit union principle of “people helping people”. For more than fifty years, we have existed solely for the purpose of serving our members’ best interests. This focus on members instead of profits allows us to offer a full range of financial services specifically designed.
  • Albany Community Together Inc
  • 230 S. Jackson Street, Suite 333, Albany, GA, 31701
  • Albany Community Together, Inc. (ACT!) was created in 1997 with the primary mission to create opportunities by helping low-wealth individuals who are not served or underserved by traditional financial institutions to build wealth through small business ownership and access to capital. ACT’s mission has evolved to building wealth