During 2025, the conventional loan limit in Effingham, situated in Effingham county, IL, is $726,200. In contrast, the FHA limit for a single-family home is set at $472,030.
Utilize the Lendersa® Conventional loan calculator to compare the top rates for Conventional, FHA, and USDA loans today. Determine the necessary income, credit, reserve levels, and documentation to qualify. This advanced mortgage calculator displays side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA, helping you choose the optimal program in IL for your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
This table is relevant for zip codes: 62401
The objective of Lendersa® is to secure the best possible Conventional, USDA, or FHA loans swiftly and effortlessly. Choose from one of three starting routes to connect with the right lenders and loan offers.
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