USDA Vs. FHA your options comparison in Woodson-Terrace, St. Louis County, MO

As of 2025, the USDA loan limit in Woodson-Terrace, within St. Louis county in MO, is set at $0, while the FHA limit for a single-family home is $356,362.

The Lendersa® USDA loan calculator helps you compare today’s best USDA vs. FHA rates, allowing you to determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator permits you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program best suits your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Woodson-Terrace, County of St. Louis, MO

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

Options for USDA and FHA Loans in Woodson-Terrace, MO

The aim of Lendersa® is to effortlessly provide you with the optimal USDA or FHA loan. Choose one of three starting points that connect you with matching lenders and the appropriate USDA loan programs.

Lendersa USDA loan request and results

What is a USDA Loan in MO?

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is accessible exclusively in rural areas. In contrast to FHA loans which demand a minimum down payment of 3.5%, a USDA loan requires no down payment.

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



  • Community Mortgage LLC
  • 602 Center Street, Suite 107, Mount Airy, MD, 21771
  • Community Mortgage LLC, owning property can quickly turn into a reality. We are highly experienced professionals who will do everything in our power to help you get into an affordable property loan. We will also give you a quick response when Home-page-housedoing so. Our goal is client satisfaction
  • Metro Mortgage LLC
  • 7830 Backlick Road, Suite 401, Springfield, VA, 22150
  • At Metro Mortgage LLC, we treat your loan application a dream and work hard to make that dream come true. Our team examines your income, assets and liabilities to formulate a perfect solution for you. Irrespective of your credit score or financial situation our team will help you to make a guided decision for your dream homes.
  • Commonwealth Mortgage Inc
  • 6800 Backlick Road, Suite 201, Springfield, VA, 22150
  • Founded in 2012, Commonwealth Mortgage is your mortgage Company CM’s Mission is to develop strong relationship and deliver exceptional, reliable, next generation mortgage loan and refinance solutions and professional quality services for our client to won comfort, satistifed, and secure future
  • Peoples Bank Mortgage and SBA Loans
  • 4401 Belle Oaks Drive, Suite 210, North Charleston, SC, 29405
  • Peoples Bank Mortgage is a wholly-owned subsidiary of Peoples Bank in Mendenhall, Mississippi that has been in business since 1908. Peoples Bank Mortgage offers an array of mortgage loan products which suit each individual borrower’s requirements. Whether you are a first-time home buyer, refinancing your existing mortgage
  • CPM Federal Credit Union
  • 1066 E. Montague Ave, North Charleston, SC, 29405
  • CPM Federal Credit Union was formed in 1955 by employees of the Charleston Paper Mill. We started in an old construction shed and our mission back then was to make affordable loans and deliver exceptional service to the employees of the Mill and improve their financial wellbeing. Since that time CPM has grown to $520 million in assets.
  • carolina one Mortgage
  • 4024 Salt Pointe Parkway, Suite A, North Charleston, SC, 29405
  • Carolina One Mortgage offers the promise of longevity and security along with a commitment to service excellence. We are recognized as the industry leader in mortgage partnerships because we are experts in our business and deliver outstanding service to our customers. Carolina One Mortgage offers hundreds of loan choices to our customers.
  • LeRoy Federal Credit Union
  • 7093 West Main Road, Le Roy, NY, 14482
  • LeRoy Federal Credit Union has been open since 1958. The credit union has assets totaling $18.46 Million and provides banking services to more than 2, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • Wallis State Bank
  • 6510 Railroad Street, Wallis, TX, 77485
  • Wallis Bank is a full service community bank with locations in Houston, Dallas, San Antonio, Los Angeles, and Atlanta. At Wallis Bank, our mission is to provide you with financial services that are unsurpassed in customer satisfaction. What makes Wallis Bank unique is our ability to serve the small rural customers to large international customers.
  • 804Mortgage, LLC
  • 708 Chimborazo Blvd, Richmond, VA, 23223
  • We are a full-service mortgage company based in Richmond, VA. We specialize in VA Loans, FHA Loans,& JUMBO Loans in Richmond. We also serve the surrounding cities in Richmond City County. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
  • Virginia State University Federal Credit Union
  • 3401 Boisseau Street, Petersburg, VA, 23803
  • In the fall of 1938, President John Manuel Gandy requested the establishment of a Federal Credit Union at the Virginia State College, from Superintendent Sidney B. Hall, of the Department of Public Instruction. At a staff meeting on October 19, 1938, President Gandy announced that authority had been granted to proceed to establish the credit union.
  • WH Mortgage
  • 6500 Rock Spring Drive, Suite 204, Bethesda, MD, 20817
  • Washington Home Mortgage is an independent mortgage broker company, long-established and highly-respected throughout the D.C./Maryland community for over 20 years. We work with a wide variety of lenders, allowing us to obtain the best possible rates and finanical outcomes for our clients.