Explore the differences! FHA VS Conventional loan programs in Centralia, Marion County, Illinois
In 2026, the limit for conventional loans in Centralia, located in Marion county, IL, is $726,200. Meanwhile, the FHA loan limit for a single-family home in the same area is $472,030.
With the Lendersa® Conventional loan calculator, compare today's rates: Conventional vs. FHA vs. USDA. Assess income, credit, reserves, and documents required to qualify. Our comprehensive mortgage calculator lets you evaluate Conforming Conventional, USDA, FHA, and VA loans side by side, guiding your choice of the best financial program in IL.
2026 loan caps and down payment conditions in Centralia, Marion county, IL
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison table is relevant to the zip codes: 62801
Options for Conventional and FHA loans in Centralia, IL
The aim of Lendersa® is to secure the most favorable Conventional, USDA, or FHA loan swiftly and efficiently. Choose one of three paths to quickly match with lenders and loan programs.
Established in 1910 we are a community bank located in Southern Illinois, locally owned and managed by people you can trust. The luka State Bank offers the integrity and stability of a Five Star rated financial institution — the highest rating awarded by Bauer Financial Rating Service and proof that we rank among the strongest banks in the country.
MCSB is a mutual community bank that is owned by you, our depositors! Our goal is to protect the mutual community banking philosophy, which is to make serving customers and community a priority, while keeping profits at a reasonable level. Most banking organizations that are owned by shareholders expect a return on their investment
Since 1906, our bank has been serving Jefferson County, Illinois. From 1906 to 2008, we operated as First National Bank which was originally chartered in Woodlawn, IL. We are proud to have been the only national bank to survive the Depression in Jefferson County, and we’re proud of our history of service to Jefferson County.
The FNB Community Bank, a financially strong, independent community bank, serves individuals and businesses with a full range of banking, investing, asset management and other financial and risk management products and services. The FNB Community Bank is Hometown People with Hometown Spirit, supporting local organizations, events, and causes.
Murphy-Wall State Bank is here to provide quality bank services to our service area, & to provide a fair return to our shareholders. We will be responsible citizens & will participate in community activities, both by making contributions to worthwhile causes and by contributing our time as individuals. Our customers are our most important assets.
Since 1992, that promise still has not been broken. We intend to keep it that way. While Citizens Community Bank continually adds new products and services to accommodate your needs, such as Internet Banking and Bill Pay, we will never take away the personal service. It is what worked for us
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In 1977, a group of area business people noticed that Flora, Illinois had limited choices when it came to financial institutions. These business leaders from Flora and the surrounding communities came together and, on January 19, 1978, Flora Bank & Trust opened for business in a temporary banking facility located at 1010 West North Avenue in Flora.
