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USDA loans in Missouri

Quick answer

USDA loans in Missouri offer 0% down for moderate-income buyers purchasing in eligible rural and suburban areas, with a 1% upfront and 0.35% annual fee.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

USDA loan snapshot for Missouri

ItemEstimate
Minimum down payment0%
Minimum credit scoreTypically 640 for automated approval
Typical MO home value$215,600
3.5% down on typical home$7,546
20% down on typical home$43,120
Avg. effective property tax0.88%/yr (~$157/mo)
Income for typical home (31% rule)$67,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Missouri programs pair with USDA loans?

  • First Place Loan: A first mortgage for first-time buyers with optional cash assistance.
  • Next Step: A first mortgage with assistance for buyers who aren't first-time but meet income limits.

Details and current limits: Missouri Housing Development Commission (MHDC).

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in Missouri cities

Kansas CitySt. LouisSpringfieldColumbiaIndependenceLee's SummitO'FallonSt. JosephSt. CharlesBlue SpringsSt. PetersJoplinFlorissantChesterfieldWentzvilleJefferson CityCape GirardeauWildwoodOakvilleUniversity CityBallwinLibertyRaytownKirkwoodMehlvilleMaryland HeightsGladstoneGrandviewHazelwoodBeltonNixaRaymoreWebster GrovesOzarkSedaliaOld JamestownArnoldRollaAfftonWarrensburgRepublicCreve CoeurFergusonManchesterSpanish LakeConcordFarmingtonLake St. LouisKirksvilleClaytonHannibalLemayPoplar BluffSikestonGrain ValleyOverlandJacksonCarthageFort Leonard WoodLebanonWashingtonMarshallMoberlyTroyWebb CityDardenne PrairieFestusJenningsSt. AnnNeoshoBransonFultonUnionEurekaWest PlainsCrestwoodTown and CountryMexicoBridgetonBolivarKearneyBellefontaine NeighborsMaryvilleSmithvilleExcelsior SpringsKennettHarrisonville

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of Missouri qualify; check a specific address on the USDA eligibility map.

Often yes. Missouri Housing Development Commission (MHDC) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.