Missouri USDA Loans
My state-specific information
Eligibility Requirements – Missouri
Looking for a new home in Missouri? A USDA loan may be just the thing for you. With no qualifying assets or down payment required, and no maximum loan amount, a USDA loan can fit almost any financial situation. For a family of 1-4 in Missouri, the average household income limit for a USDA loan is about $119,850, and can be as high as $169,100 for a family of 5 or more. Fill out the form below to get in touch with one of our USDA loan specialists, and take the first step towards your new home.
The map below shows the areas of Missouri eligible for USDA loans. For more information on qualifying areas, check out the USDA property eligibility screen.
Missouri USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Missouri follow the standard USDA income limit. Select metro areas have slightly higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Missouri Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| Jefferson City, MO HUD Metro FMR Area | $120,750 | $159,400 |
| Columbia, MO HUD Metro FMR Area | $121,700 | $160,650 |
| Kansas City, MO-KS HUD Metro FMR Area | $128,100 | $169,100 |
| St. Louis, MO-IL HUD Metro FMR Area | $128,100 | $169,100 |
USDA income limits in Missouri are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your Missouri USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Missouri. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Missouri.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Missouri USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Missouri
