FHA VS Conventional loan in Mascoutah, St. Clair County, Illinois

In 2026, the limit for a Conventional loan in Mascoutah, St. Clair county, IL is $726,200, while the FHA cap is $472,030 for a single-family home.

Use the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA options. Determine the necessary income, credit, reserves, and documentation for eligibility. Our advanced mortgage tool provides a side-by-side view of Conforming Conventional loans, USDA, FHA, and VA, helping you choose the best program for your financial situation in IL.

Compare offers from a wide range of 100 lenders

2026 loan limits and downpayment requirements in Mascoutah, St. Clair county, IL

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

This comparison applies to zip codes: 62258

Explore Conventional and FHA loan options in Mascoutah, IL

The goal of Lendersa® is to provide fast and hassle-free Conventional, USDA, or FHA loans. Choose from one of three starting paths, leading to matching lenders and program solutions.

Lendersa's loan request results for USDA


  • CapitalBull Mortgage
  • 558 Gravois Road, Suite 203, Fenton, MO, 63026
  • CapitalBull LLC was founded January 2, 2009 by Chad Atkins in order to create a mortgage company that didn’t use big banks and was a better solution. The #NoBankBull motto was born, now you have someone to fight the big banks for you and get you the best mortgage out there. CapitalBull only uses wholesale lenders and finds the best rates.

  • Missouri Mortgage Clearing House
  • 697 Green Forest Drive, Fenton, MO, 63026
  • The Missouri Mortgage Clearing House team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area.The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs

  • Liberty Bank
  • 2403 Homer M Adams Pkwy, Alton, IL, 62002
  • Liberty Bank, headquartered in Alton, Illinois, was founded by area businessmen in 1994. Expanding to Godfrey in 1997 and Bethalto in 2006, it has since grown to include a total of four locations serving Madison County. In 2017, Liberty Bank joined United Community Bank and now includes more than 100 Bank & ATM locations

  • Preferred Mortgage, Inc.
  • 2375 C Homer Adams Pkwy, Alton, IL, 62002
  • At Preferred Mortgage, Inc., offers the best services in mortgage financing at the lowest cost to you. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound choices. As full-service mortgage brokers, we offer a wide range of loans from government (VA, FHA)

  • Lankford Capital
  • 12747 Olive Blvd, Saint Louis, MO, 63141
  • At Lankford Capital, we provide customized lending solutions and debt advisory services to real estate investors and developers at every stage of their journey. Specializing in direct lending for 1-4 unit, non-owner-occupied residential properties with loan amounts from $100,000 to $5 million, we empower investors with the capital needed to scale t

  • Mortgages USA
  • 12140 Woodcrest Executive Dr, Suite 150 St., Saint Louis, MO, 63141
  • At USA Mortgage, a subsidiary of DAS Acquisition Company, LLC., our mission remains the unrelenting pursuit of perfection. We pride ourselves on our local lending excellence and the superior level of service that our status as a mortgage bank enables us to provide.

    We keep opening doors as a mortgage industry leader

  • Anchor Mortgage Group
  • 12747 Olive Blvd, Suite 300, Saint Louis, MO, 63141
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.

  • Midwest Regional Bank
  • 363 Festus Centre Dr, Festus, MO, 63028
  • The Bank of Tradition and Progress Founded in 1894 as The Bank of Otterville, our Bank has a long-standing tradition of providingMidwest Regional Bank is a Bank with operations in fifty states. Midwest Regional Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA and USDA mortgages

  • Paramount Bank
  • 90 Village Square Shopping Center, Hazelwood, MO, 63042
  • Paramount Bank history started as an independent mortgage company in 1970. Paramount Bank was recently re-imagined and rebuilt by a group of St. Louis investors. The Bank’s commitment to deliver market-leading deposit rates, product depth, best-in-class technology and superior service to help clients meet their financial goals

  • Commercial Bank
  • 2330 West Port Plaza Drive, Saint Louis, MO, 63146
  • Commercial Bank is an independent bank specializing in relationship banking. We focus on personal relationships with you, our customer. While providing this "good old fashioned"​ brand of service we still provide the latest banking technology. Come visit us and let Commercial Bank show you what we can offer you.

  • Mortgage Partners Group
  • 11862 Lackland Rd, Saint Louis, MO, 63146
  • Mortgage Partners Group our seasoned Loan Officers are Partners of the Firm. Our Loan Officer-Partners understand that there is nothing more important in the home loan process than a client understanding his or her mortgage loan options. That is why we offer a wide variety of home loans so you can find the right option to fit your goals.

  • Mason Mortgage Advisors
  • 11862 Lackland Rd, Saint Louis, MO, 63146
  • Mason Mortgage Advisors, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.