Best FHA Lenders in Missouri 2026: Top 7 Ranked & Reviewed
William Harris
Missouri FHA Specialist | 14+ Years Experience
January 22, 2026
Looking for the best FHA lenders in Missouri? Missouri has 1,800+ FHA-approved lenders, but only 7 consistently deliver the best rates, fastest approvals, and lowest fees for Missouri buyers.
6.15%
Average FHA Rate
$245,000
Median Home Price
20.2%
FHA Market Share
23 days
Avg Approval
🏆 Top 7 FHA Lenders in Missouri 2026
Rocket Mortgage - Best Overall FHA Lender Missouri
7,200+ MO loans funded
Why #1:
- 🚀 Fastest online application (8 minutes)
- 💰 Competitive rates: 6.05%-6.25% APR
- ⚡ Close in 23 days average
- 📱 Best mobile app for Missouri borrowers
- 🏆 #1 FHA lender in Kansas City + St. Louis
Best For:
Tech-savvy Missouri buyers who want speed + convenience
📊 FHA Loan Limits Missouri 2026 by County
| County | Major City | 2026 FHA Limit |
|---|---|---|
| Jackson | Kansas City | $498,257 |
| St. Louis City | St. Louis | $498,257 |
| Greene | Springfield | $498,257 |
| Boone | Columbia | $498,257 |
✅ Missouri FHA Loan Requirements 2026
Basic Requirements
Credit Score:
580+ for 3.5% down | 500-579 for 10% down
Down Payment:
3.5% minimum ($17,439 on $498K home)
DTI Ratio:
43% max (50% with compensating factors)
Employment:
2 years stable employment history
Missouri-Specific Info
Property Taxes:
0.93% avg (below US average)
Closing Costs:
2-5% of purchase price ($10K-$25K on $498K)
MIP:
1.75% upfront + 0.55% annual
Appraisal:
FHA-approved appraiser required ($500-$700)
❓ FAQ: FHA Loans Missouri 2026
What is the FHA loan limit in Missouri?
Missouri FHA Loan Limit (2026):
- All Missouri counties: $498,257
This is the maximum home price you can buy with an FHA loan in Missouri.
Can I buy a condo with an FHA loan in Kansas City or St. Louis?
YES - but the condo building must be FHA-approved.
Check if your condo is FHA-approved:
- Search the HUD Approved Condo List
- Ask your real estate agent
- Contact the condo association
Many Kansas City and St. Louis condos are FHA-approved.
How much are property taxes with an FHA loan in Missouri?
Missouri has below-average property taxes:
Example: $245,000 home
- Kansas City: $2,280/year (0.93%)
- St. Louis: $2,450/year (1.00%)
- Springfield: $2,080/year (0.85%)
- Columbia: $2,200/year (0.90%)
Property taxes are included in your monthly mortgage payment (PITI).