USDA Loan Vs. FHA loan pro & con West-Plains, Howell County, MO

In 2026, the USDA loan limit in West-Plains, within Howell county, MO, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA vs FHA rates, determining the necessary income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program in is best suited for your financial situation.

Exploring USDA and FHA loan options in West-Plains, MO

Lendersa®'s objective is to get you the best possible USDA or FHA loan swiftly and without hassle. Choose one of three starting paths that connect you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MO

A USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans have no such requirement.

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West-Plains Lenders
(417) 256-3042 Lender's profile and map West Plains Savings and Loan Association 417 West Broadway Street, West Plains, MO, 65775 Lends in Missouri West Plains Savings & Loan was established in 1919. The Association was chartered as a Missouri Corporation & held as a Mutual Building & Loan which gives ownership to our borrowers & savings customers. Since those early days we have continued our mission of giving local people an institution to purchase property & invest savings with good returns.
(417) 255-2265 Lender's profile and map Community First Banking Company 1330 Southern Hills, West Plains, MO, 65775 Lends in Missouri Community First National Bank of West Plains opened its doors as a national bank on November 13, 1997 with over 45 local investors. Our bank has expanded to three locations across the Ozarks and now serves the communities of West Plains, MO in Howell County, Mountain Grove, MO in Wright County and Thayer, MO in Oregon County.
(417) 256-2147 Lender's profile and map West Plains Bank and Trust Company 11 Court Sq, West Plains, MO, 65775 Lends in Missouri West Plains Bank and Trust Company is a Bank with operations in two states. West Plains Bank and Trust Company offers numerous mortgage programs including conventional, non-owner occupied, VA, USDA and construction mortgages and West Plains Bank and Trust Company, based in West Plains, Mo., operates four full-service and two drive-through branches
(417) 679-3321 Lender's profile and map Century Bank of the Ozarks 42 Court Square, Gainesville, MO, 65655 Lends in Missouri Century Bank of the Ozarks is a family owned bank that had its beginning more than 100 years ago when it was founded in 1894. Our main bank office is located on the square in the town of Gainesville, nestled in the beautiful hills of the Ozarks in Southern Missouri. Our other offices are located in Theodosia, Bakersfield, Ava.
(417) 924-3211 Lender's profile and map HomePride Bank 65704, Mansfield, MO, 65704 Lends in Missouri HomePride Bank is your hometown bank, offering a full line of consumer and business banking products and services. The Bank of Mansfield, now chartered as HomePride Bank, was established in 1892, and is the oldest business in Mansfield. While our name has changed, our commitment to service has remained the same.