USDA Loans in Missouri

Consumer Real Estate wants to help you realize your dream of owning one of the many affordably priced homes located throughout Missouri. As an approved USDA home loan lender, we can help walk you through the USDA Loan application, and experience the benefits of a true No Money down, 100% financing home loan.

The advantages of the government backed Missouri USDA Loan program include:

  • 100% Financing up to the appraised value
  • NO private Missouri mortgage insurance
  • Flexible Missouri credit qualifications
  • No Missouri loan amount limitations

Missouri Areas that Qualify for Rural Development Loans

The problem that the USDA Loan program (Also referred to as the Rural Development Loan Program) faces is the misnomer that it has something to do with agriculture. In truth, USDA Loans were simply created to help build many of the country’s less populated areas. This includes many Missouri communities that lie just outside of major metropolitan areas.

To qualify for a Rural Development Loan, the property must:

  • Live outside city limits
  • Have a population of less than 20,000 people

Because of the diversity in Missouri communities that are USDA Loan eligible, you should never assume that your area does not qualify for a USDA Loan. The experts here at Consumer Real Estate are here to help. For more information, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Missouri’s USDA Loan Income Limits by County

Even though applying for a Missouri USDA Loan with Consumer Real Estate is quick and easy, there are still a couple of other restrictions you should be aware of. These include an evaluation of credit history and annual income limits.

Remember, there is a maximum income limit. This means your income cannot exceed the maximum amount set for your county. These USDA Loan income limits include:

Missouri USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

County Name    

1-4 Person Households
(Guaranteed Loans)

5-8 Person Households 
(Guaranteed Loans)

KIRKSVILLE, MO (MICRO)

ADAIR

$73,600

$97,150

ST. JOSEPH, MO-KS (MSA)

ANDREW

$73,600

$97,150

NON-METRO

ATCHISON

$73,600

$97,150

MEXICO, MO (MICRO)

AUDRAIN

$73,600

$97,150

NON-METRO

BARRY

$73,600

$97,150

NON-METRO

BARTON

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

BATES

$80,950

$106,850

NON-METRO

BENTON

$73,600

$97,150

CAPE GIRARDEAU-JACKSON, MO-IL (MICRO)

BOLLINGER

$73,600

$97,150

COLUMBIA, MO (MSA)

BOONE

$73,600

$97,150

ST. JOSEPH, MO-KS (MSA)

BUCHANAN

$73,600

$97,150

POPLAR BLUFF, MO (MICRO)

BUTLER

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

CALDWELL

$73,600

$97,150

JEFFERSON CITY, MO (MSA)

CALLAWAY

$74,200

$97,950

NON-METRO

CAMDEN

$73,600

$97,150

CAPE GIRARDEAU-JACKSON, MO-IL (MICRO)

CAPE GIRARDEAU

$73,600

$97,150

NON-METRO

CARROLL

$73,600

$97,150

NON-METRO

CARTER

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

CASS

$80,950

$106,850

NON-METRO

CEDAR

$73,600

$97,150

NON-METRO

CHARITON

$73,600

$97,150

SPRINGFIELD, MO (MSA)

CHRISTIAN

$73,600

$97,150

FORT MADISON-KEOKUK, IA-MO (MICRO)

CLARK

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

CLAY

$80,950

$106,850

KANSAS CITY, MO-KS (MSA)

CLINTON

$80,950

$106,850

JEFFERSON CITY, MO (MSA)

COLE

$75,500

$99,750

NON-METRO

COOPER

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

CRAWFORD

$78.050

$103.050

NON-METRO

DADE

$73,600

$97,150

SPRINGFIELD, MO (MSA)

DALLAS

$73,600

$97,150

NON-METRO

DAVIESS

$73,600

$97,150

ST. JOSEPH, MO-KS (MSA)

DE KALB

$73,600

$97,150

NON-METRO

DENT

$73,600

$97,150

NON-METRO

DOUGLAS

$73,600

$97,150

KENNETT, MO (MICRO)

DUNKLIN

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

FRANKLIN

$78.050

$103.050

NON-METRO

GASCONADE

$73,600

$97,150

NON-METRO

GENTRY

$73,600

$97,150

SPRINGFIELD, MO (MSA)

GREENE

$73,600

$97,150

NON-METRO

GRUNDY

$73,600

$97,150

NON-METRO

HARRISON

$73,600

$97,150

NON-METRO

HENRY

$73,600

$97,150

NON-METRO

HICKORY

$73,600

$97,150

NON-METRO

HOLT

$73,600

$97,150

COLUMBIA, MO (MSA)

HOWARD

$73,600

$97,150

WEST PLAINS, MO (MICRO)

HOWELL

$73,600

$97,150

NON-METRO

IRON

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

JACKSON

$80,950

$106,850

JOPLIN, MO (MSA)

JASPER

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

JEFFERSON

$78.050

$103.050

WARRENSBURG, MO (MICRO)

JOHNSON

$73,600

$97,150

NON-METRO

KNOX

$73,600

$97,150

LEBANON, MO (MICRO)

LACLEDE

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

LAFAYETTE

$80,950

$106,850

NON-METRO

LAWRENCE

$73,600

$97,150

QUINCY, IL-MO (MICRO)

LEWIS

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

LINCOLN

$78.050

$103.050

NON-METRO

LINN

$73,600

$97,150

NON-METRO

LIVINGSTON

$73,600

$97,150

NON-METRO

MACON

$73,600

$97,150

NON-METRO

MADISON

$73,600

$97,150

NON-METRO

MARIES

$73,600

$97,150

HANNIBAL, MO (MICRO)

MARION

$73,600

$97,150

FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO (MSA)

MCDONALD

$73,600

$97,150

NON-METRO

MERCER

$73,600

$97,150

NON-METRO

MILLER

$73,600

$97,150

NON-METRO

MISSISSIPPI

$73,600

$97,150

JEFFERSON CITY, MO (MSA)

MONITEAU

$75,500

$99,750

NON-METRO

MONROE

$73,600

$97,150

NON-METRO

MONTGOMERY

$73,600

$97,150

NON-METRO

MORGAN

$73,600

$97,150

NON-METRO

NEW MADRID

$73,600

$97,150

JOPLIN, MO (MSA)

NEWTON

$73,600

$97,150

MARYVILLE, MO (MICRO)

NODAWAY

$73,600

$97,150

NON-METRO

OREGON

$73,600

$97,150

JEFFERSON CITY, MO (MSA)

OSAGE

$73,600

$97,150

NON-METRO

OZARK

$73,600

$97,150

NON-METRO

PEMISCOT

$73,600

$97,150

NON-METRO

PERRY

$73,600

$97,150

SEDALIA, MO (MICRO)

PETTIS

$73,600

$97,150

ROLLA, MO (MICRO)

PHELPS

$73,600

$97,150

NON-METRO

PIKE

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

PLATTE

$80,950

$106,850

SPRINGFIELD, MO (MSA)

POLK

$73,600

$97,150

FORT LEONARD WOOD, MO (MICRO)

PULASKI

$73,600

$97,150

NON-METRO

PUTNAM

$73,600

$97,150

HANNIBAL, MO (MICRO)

RALLS

$73,600

$97,150

MOBERLY, MO (MICRO)

RANDOLPH

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

RAY

$80,950

$106,850

NON-METRO

REYNOLDS

$73,600

$97,150

NON-METRO

RIPLEY

$73,600

$97,150

MARSHALL, MO (MICRO)

SALINE

$73,600

$97,150

KIRKSVILLE, MO (MICRO)

SCHUYLER

$73,600

$97,150

NON-METRO

SCOTLAND

$73,600

$97,150

SIKESTON, MO (MICRO)

SCOTT

$73,600

$97,150

NON-METRO

SHANNON

$73,600

$97,150

NON-METRO

SHELBY

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

ST. CHARLES

$78.050

$103.050

NON-METRO

ST. CLAIR

$73,600

$97,150

FARMINGTON, MO (MICRO)

ST. FRANCOIS

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

ST. LOUIS

$78.050

$103.050

ST. LOUIS, MO-IL (MSA)

ST. LOUIS CITY

$78.050

$103.050

NON-METRO

STE. GENEVIEVE

$73,600

$97,150

NON-METRO

STODDARD

$73,600

$97,150

BRANSON, MO (MICRO)

STONE

$73,600

$97,150

NON-METRO

SULLIVAN

$73,600

$97,150

BRANSON, MO (MICRO)

TANEY

$73,600

$97,150

NON-METRO

TEXAS

$73,600

$97,150

NON-METRO

VERNON

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

WARREN

$78.050

$103.050

ST. LOUIS, MO-IL (MSA)

WASHINGTON

$78.050

$103.050

NON-METRO

WAYNE

$73,600

$97,150

SPRINGFIELD, MO (MSA)

WEBSTER

$73,600

$97,150

NON-METRO

WORTH

$73,600

$97,150

NON-METRO

WRIGHT

$73,600

$97,150

 

Because of these sometimes detailed and overwhelming guidelines, Consumer Real Estate is here to guide you through the application process. Contact us today for details or to get started with your Missouri USDA Loan application.