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Missouri FHA Loan Rates

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Securing an FHA Loan in Missouri

FHA loans are mortgage loans insured by the Federal Housing Administration that are issued by federally qualified FHA lenders. Missouri FHA loans allow prospective homeowners to borrow money for the purchase of homes that they would not otherwise be able to afford. To find out how much you can borrow, check the table below for the  Missouri FHA loan limits by county.

Missouri FHA Loan Requirements

In order to obtain an FHA loan, borrowers must satisfy Missouri FHA Loan Requirements. While loans guaranteed by the Federal Housing Administration include fairly lenient qualifications, borrowers must satisfy requirements regarding down payment, debt to income ratio, income and residency. 

General Requirements

  • Your down payment must be 3.5% or greater (96.5% loan-to-value, or LTV).
  • FHA requires a credit score of 500 or greater, but many lenders will not accept less than 580.
  • Your debt-to-income ratio (DTI) should be no greater than 45 - 50%.
  • Loan Limit (max allowable loan amount): Up to $625,500 in higher cost areas and as low as $271,050 in lower cost areas (see bottom of this page). 
  • Mortgage Insurance is required depending on loan terms and down payment.
  • Properties must meet FHA guidelines based on a home inspection.

Mortgage Insurance

  • An upfront premium of 1.75% the base loan amount is required at closing. 
  • Unless your mortgage term is less than or equal to 15 years and down payment is greater than or equal to 22%, a monthly mortgage insurance premium (MIP) must be paid alongside your principal and interest. 
  • The monthly payment can be canceled on loans with 10% or more down payment after reaching 78% LTV and the 11 year mark. 
  • If your down payment is less than 10%, you must also pay monthly mortgage insurance for the life of the loan.

Missouri FHA Streamline Refinance 

FHA homeowners can get a lower rate or adjust their mortgage term with little hassle through an FHA Streamline refinance. Unlike other refinances, the FHA Streamline does not require a new home appraisal, and there is no income or employment verification step; the result is a faster process and with less paperwork. Borrowers who are underwater on their FHA mortgage, without significant equity, or have experienced any employment or credit hardships can still qualify for the fixed or adjustable-rate mortgage a Streamline refinance provides. 

Streamline Refinance Requirements:

  • Borrower must currently have an FHA-insured mortgage.
  • The refinance must pose a net tangible benefit for the borrower, meaning the process and fees won't outweigh the advantages. 
  • A minimum of six mortgage payments must have been made at the time of applying, or applying must be at least 210 days from closing.
  • Borrower must have clean payment history from the past year. 

Refinancing borrowers will likely have to pay an upfront and monthly mortgage insurance premium (MIP).

Missouri FHA Loan Lenders

As mentioned above, FHA loans can be originated by qualified FHA loan lenders in MO. These lenders have received approval from the U.S. Department of Housing and Urban Development (HUD) and are qualified to issue all types of FHA loans, including FHA Streamline Refinances, FHA 203k Loans, and FHA Loans for the purchase of FHA-Approved Condos.

Missouri Counties and FHA Loan Limits

County Name One-Family Two-Family Three-Family Four-Family
ADAIR $271,050 $347,000 $419,400 $521,250
ANDREW $271,050 $347,000 $419,400 $521,250
ATCHISON $271,050 $347,000 $419,400 $521,250
AUDRAIN $271,050 $347,000 $419,400 $521,250
BARRY $271,050 $347,000 $419,400 $521,250
BARTON $271,050 $347,000 $419,400 $521,250
BATES $271,050 $347,000 $419,400 $521,250
BENTON $271,050 $347,000 $419,400 $521,250
BOLLINGER $271,050 $347,000 $419,400 $521,250
BOONE $271,050 $347,000 $419,400 $521,250
BUCHANAN $271,050 $347,000 $419,400 $521,250
BUTLER $271,050 $347,000 $419,400 $521,250
CALDWELL $271,050 $347,000 $419,400 $521,250
CALLAWAY $271,050 $347,000 $419,400 $521,250
CAMDEN $271,050 $347,000 $419,400 $521,250
CAPE GIRARDEAU $271,050 $347,000 $419,400 $521,250
CARROLL $271,050 $347,000 $419,400 $521,250
CARTER $271,050 $347,000 $419,400 $521,250
CASS $271,050 $347,000 $419,400 $521,250
CEDAR $271,050 $347,000 $419,400 $521,250
CHARITON $271,050 $347,000 $419,400 $521,250
CHRISTIAN $271,050 $347,000 $419,400 $521,250
CLARK $271,050 $347,000 $419,400 $521,250
CLAY $271,050 $347,000 $419,400 $521,250
CLINTON $271,050 $347,000 $419,400 $521,250
COLE $271,050 $347,000 $419,400 $521,250
COOPER $271,050 $347,000 $419,400 $521,250
CRAWFORD $281,250 $360,050 $435,200 $540,850
DADE $271,050 $347,000 $419,400 $521,250
DALLAS $271,050 $347,000 $419,400 $521,250
DAVIESS $271,050 $347,000 $419,400 $521,250
DE KALB $271,050 $347,000 $419,400 $521,250
DENT $271,050 $347,000 $419,400 $521,250
DOUGLAS $271,050 $347,000 $419,400 $521,250
DUNKLIN $271,050 $347,000 $419,400 $521,250
FRANKLIN $281,250 $360,050 $435,200 $540,850
GASCONADE $271,050 $347,000 $419,400 $521,250
GENTRY $271,050 $347,000 $419,400 $521,250
GREENE $271,050 $347,000 $419,400 $521,250
GRUNDY $271,050 $347,000 $419,400 $521,250
HARRISON $271,050 $347,000 $419,400 $521,250
HENRY $271,050 $347,000 $419,400 $521,250
HICKORY $271,050 $347,000 $419,400 $521,250
HOLT $271,050 $347,000 $419,400 $521,250
HOWARD $271,050 $347,000 $419,400 $521,250
HOWELL $271,050 $347,000 $419,400 $521,250
IRON $271,050 $347,000 $419,400 $521,250
JACKSON $271,050 $347,000 $419,400 $521,250
JASPER $271,050 $347,000 $419,400 $521,250
JEFFERSON $281,250 $360,050 $435,200 $540,850
JOHNSON
$271,050 $347,000 $419,400 $521,250
KNOX
$271,050 $347,000 $419,400 $521,250
LACLEDE
$271,050 $347,000 $419,400 $521,250
LAFAYETTE
$271,050 $347,000 $419,400 $521,250
LAWRENCE
$271,050 $347,000 $419,400 $521,250
LEWIS
$271,050 $347,000 $419,400 $521,250
LINCOLN
$281,250
$360,050
$435,200
$540,850
LINN
$271,050 $347,000 $419,400 $521,250
LIVINGSTON
$271,050 $347,000 $419,400 $521,250
MACON
$271,050 $347,000 $419,400 $521,250
MADISON
$271,050 $347,000 $419,400 $521,250
MARIES
$271,050 $347,000 $419,400 $521,250
MARION
$271,050 $347,000 $419,400 $521,250
MCDONALD
$271,050 $347,000 $419,400 $521,250
MERCER
$271,050 $347,000 $419,400 $521,250
MILLER
$271,050 $347,000 $419,400 $521,250
MISSISSIPPI
$271,050 $347,000 $419,400 $521,250
MONITEAU
$271,050 $347,000 $419,400 $521,250
MONROE
$271,050 $347,000 $419,400 $521,250
MONTGOMERY
$271,050 $347,000 $419,400 $521,250
MORGAN
$271,050 $347,000 $419,400 $521,250
NEW MADRID
$271,050 $347,000 $419,400 $521,250
NEWTON
$271,050 $347,000 $419,400 $521,250
NODAWAY
$271,050 $347,000 $419,400 $521,250
OREGON
$271,050 $347,000 $419,400 $521,250
OSAGE
$271,050 $347,000 $419,400 $521,250
OZARK
$271,050 $347,000 $419,400 $521,250
PEMISCOT
$271,050 $347,000 $419,400 $521,250
PERRY
$271,050 $347,000 $419,400 $521,250
PETTIS
$271,050 $347,000 $419,400 $521,250
PHELPS
$271,050 $347,000 $419,400 $521,250
PIKE
$271,050 $347,000 $419,400 $521,250
PLATTE
$271,050 $347,000 $419,400 $521,250
POLK
$271,050 $347,000 $419,400 $521,250
PULASKI
$271,050 $347,000 $419,400 $521,250
PUTNAM
$271,050 $347,000 $419,400 $521,250
RALLS
$271,050 $347,000 $419,400 $521,250
RANDOLPH
$271,050 $347,000 $419,400 $521,250
RAY
$271,050 $347,000 $419,400 $521,250
REYNOLDS
$271,050 $347,000 $419,400 $521,250
RIPLEY
$271,050 $347,000 $419,400 $521,250
SALINE
$271,050 $347,000 $419,400 $521,250
SCHUYLER
$271,050 $347,000 $419,400 $521,250
SCOTLAND
$271,050 $347,000 $419,400 $521,250
SCOTT
$271,050 $347,000 $419,400 $521,250
SHANNON
$271,050 $347,000 $419,400 $521,250
SHELBY
$271,050 $347,000 $419,400 $521,250
ST. CHARLES
$281,250
$360,050
$435,200
$540,850
ST. CLAIR
$271,050 $347,000 $419,400 $521,250
ST. FRANCOIS
$271,050 $347,000 $419,400 $521,250
ST. LOUIS
$281,250
$360,050
$435,200
$540,850
ST. LOUIS CITY
$281,250
$360,050
$435,200
$540,850
STE. GENEVIEVE
$271,050 $347,000 $419,400 $521,250
STODDARD
$271,050 $347,000 $419,400 $521,250
STONE
$271,050 $347,000 $419,400 $521,250
SULLIVAN
$271,050 $347,000 $419,400 $521,250
TANEY
$271,050 $347,000 $419,400 $521,250
TEXAS
$271,050 $347,000 $419,400 $521,250
VERNON
$271,050 $347,000 $419,400 $521,250
WARREN
$281,250
$360,050
$435,200
$540,850
WASHINGTON
$281,250
$360,050
$435,200
$540,850
WAYNE
$271,050 $347,000 $419,400 $521,250
WEBSTER
$271,050 $347,000 $419,400 $521,250
WORTH
$271,050
$347,000
$419,400
$521,250
WRIGHT
$271,050 $347,000 $419,400 $521,250
Local Cities

user suit Lenders in: Missouri.

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