USDA and FHA Pro and Con in Washington, Franklin County, MO
In 2026, the USDA loan limit for Washington, in Franklin county, MO, is $336,500, whereas the FHA ceiling for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to weigh today's prime USDA against FHA rates, determining the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA loans side by side to decide which option in fits your financial situation best.
2026 loan limits and down payment details in Washington, 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 selections in Washington, MO
The ambition of Lendersa® is to quickly connect you with the best USDA or FHA loan available, hassle-free. Choose one of three starting points that link you with suitable lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also called the USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA mortgages need none.
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.
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.
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.
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.
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).
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,
