FHA VS Conventional loan programs in 2025 for Geneseo, Henry County, Illinois

This year, 2025, the conventional loan limit in Geneseo, in Henry county, IL, is $726,200. The FHA limit for a single-family home is $472,030.

Use Lendersa®'s Conventional loan calculator to contrast today's rates for Conventional, FHA, and USDA loans. Determine income needs, credit requirements, reserves, and documentation essentials. Our mortgage calculator shows Conforming Conventional loans alongside USDA, FHA, and VA options to guide your financial decision-making in IL.

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Loan Limits and Down Payment Needs for 2025 in Geneseo, Henry County, IL

Loan Type Loan Limit Down Payment
Conventional $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

Applies to zip codes: 61254

Financing Options in Geneseo, IL

Lendersa® aims to provide the best Conventional, USDA, or FHA loan quickly and hassle-free. Choose one of three paths to connect with matching lenders and programs.

Results of Lendersa USDA loan requests


  • MidAmerica National Bank
  • 100 West Elm Street, Canton, IL, 61520
  • MidAmerica National Bank has offices located in Canton, Cuba, Henry, Lewistown, & Macomb and provides full-service banking to its customers. Throughout its history, MidAmerica National Bank’s principal guiding force has been the desire to serve the community and its residents. We pride ourselves on our local decision making at each banking center.
  • Byron Bank
  • 200 N Walnut St, Byron, IL, 61010
  • Byron Bank is to help people fulfill their financial dreams and goals. We specialize in mortgage lending and originate hundreds of mortgages a year. Our experienced and professional mortgage lending team is committed to assisting clients with the local knowledge and quality service they need to purchase the home of their dreams.
  • F&M Bank & Trust
  • PO Box 928, Burlington, IA, 52601
  • Since 1916, we've built our bank on the belief that each and every client is important. Because of our personal approach to banking, today we offer a combination of technology, convenience and service you won't find anywhere else. Farmers & Merchants Savings Bank was chartered on March 1, 1916.
  • Farmers and Merchants State Bank of Bushnell
  • 484 East Main Street, Bushnell, IL, 61422
  • Farmers & Merchants State Bank is Bushnell's only locally-owned bank, serving our community since 1913. We offer low rates on loans, competitive earnings on savings, and leading edge technology in all our services, along with the trust and privacy you deserve. Discover the difference of an employee owned bank
  • Citizens State Bank of Lena
  • 102 W. Main Street, Lena, IL, 61048
  • At Citizens State Bank, we are committed to being your full service, independent, locally-owned community bank. Our customers rely on our expertise, professional staff and diverse products and services, many of which can be customized to suit your specific needs. All business decisions are made locally by people who live and work where you do.
  • Financial Plus Credit Union - Illinois
  • 800 Chestnut Street, Ottawa, IL, 61350
  • Financial Plus Credit Union is a financial cooperative, owned & operated by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts & money in turn is lent to other members. Every member of Financial Plus has one vote, regardless of how much has on deposit.
  • The First National Bank of Ottawa
  • 701 LaSalle Street, Ottawa, IL, 61350
  • The First National Bank of Ottawa has marked over 150 years of innovation, bold initiative, and community leadership as an independent community bank. The following provides an overview of some historic highlights and insight into the traditions that have served us well, both as an integral partner in the development of our communities.
  • First Federal Savings Bank (Illinois)
  • 633 La Salle St, Suite 1, Ottawa, IL, 61350
  • Established in 1889, First Federal Savings Bank has been serving the needs of its customers for over 130 years. First Federal Savings Bank is a Mutually owned bank with 12 locations to serve you. Our corporate headquarters is in Ottawa, Illinois. As a Mutual Savings Bank, we cannot be bought or sold. Our name will remain the same.
  • Stillman Bank
  • 101 East Main Street, Stillman Valley, IL, 61084
  • "Stillman Bank is a local, independently-owned community bank founded in 1882 and has been meeting the financial needs of our customers in northern Illinois for more than a century. We offer the products and services you expect from big banks, but we do it with a friendly, hometown touch. And, because we are a community bank,"
  • Apple River State Bank
  • 103 North Main Street, Apple River, IL, 61001
  • Apple River State Bank and our First Community Bank branch for your banking needs. As a community bank we provide a wide variety of financial services but delivered in a personalized manner only small banks can offer. Apple River State Bank was chartered in 1948 and opened in Apple River, Illinois which still remains a locally owned finan
  • Residential Mortgage Network, Inc.
  • 2507 Highlander Place, Iowa City, IA, 52245
  • Residential Mortgage Network, Inc. is a mortgage bank providing USDA Rural Development, VA, Conventional, FHA and New Construction Loans to borrowers throughout the state of Iowa.Since 1987, our loan officers have been passionate about providing excellent home loan programs and outstanding customer service.
  • Waterman Bank
  • 248 W. Lincoln Hwy., Waterman, IL, 60556
  • Waterman Bank, originally founded as “Waterman State Bank” by Humphrey Roberts in 1891, has been a pillar of the local Waterman and surrounding Southern DeKalb County community for over 110 years. Roberts, with the help of his sons, crafted Waterman State Bank’s time-tested foundation.