FHA VS Conventional loan programs in O'Fallon, St. Clair County, Illinois

In 2025, Convetional loan limit in O'Fallon, county of St. Clair, IL is $647,200 while FHA limit is $420,680 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in IL is best for your particular financial situation.

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2025 loan limits and downpayment requirments in O'Fallon, county of St. Clair, IL

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

The comparison table applies to zip codes: 62269

Conventional and FHA loan options in O'Fallon, IL

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Statewide Funding
  • 99 South Main St, Ephraim, UT, 84627
  • Statewide Funding is a Mortgage Company that has been highly recommended. Statewide Funding Loans Officers make the process extremely easy whether it is your first time buying a home or Refinancing. Mike and Rob believe in a smooth lending process from the time you put in your application to closing
  • Maine Savings Federal Credit Union
  • 101 Western Ave, Hampden, ME, 04444
  • Maine Savings is a modern financial institution with state-of-the-art technology offering members a full range of financial services. Maine Savings is federally insured by NCUA. Maine Savings is an Equal Housing Lender. Maine Savings is a modern financial institution with state-of-the-art technology offering members a full range.
  • CUSO Home Lending
  • 101 Western Ave, Hampden, ME, 04444
  • CUSO Home Lending is a licensed mortgage company owned by Maine credit unions. We have been originating and servicing mortgages since 1993. Our mission is to provide consumers—credit union members as well as non-members—with a full menu of competitively priced residential mortgage products with extraordinary courtesy and exceptional service.
  • Sky Federal Credit Union
  • 111 North B Street, Livingston, MT, 59047
  • Sky Federal Credit Union is a full-service community chartered, not-for-profit financial cooperative. Our charter allows us to serve anyone who lives, works or worships in the rural district of Beaverhead, Broadwater, Carbon, Cascade, Deer Lodge, Gallatin, Golden Valley, Granite, Jefferson, Lake, Lewis and Clark, Madison, Meagher, Mineral, Missoula
  • Turnbury Mortgage
  • 1389 Center Dr, Suite 200, Park City, UT, 84098
  • Turnbury Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. Our team has over 30 years of experience in the mortgage industry and we take great pride in the number of repeat clients that we hav
  • River Rock Mortgage
  • PO Box 981810, Park City, UT, 84098
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Capital Assets Utah Valley, Inc.
  • 2696 North University Avenue, Suite 236, Provo, UT, 84604
  • Capital Assets Utah Valley is a mortgage company in Utah that has specialized in conforming, non-conforming, and hard money lending since 1979. Capital Assets Utah Valley was incorporated in 1994 as a mortgage broker in Utah County, and has provided residential mortgages to its clients ever since.
  • First National Mortgage
  • 397 North Main Street, Spanish Fork, UT, 84660
  • First National Mortgage, 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.
  • Remarkable Home Loans
  • 62 E 800 N, Suite 202, Spanish Fork, UT, 84660
  • Remarkable Home Loans 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.
  • Utah Heritage Credit Union
  • 84 West Main Street, Moroni, UT, 84646
  • Utah Heritage Credit Union has a 50 year history of serving the hard working men and women of Sanpete and Sevier Counties. The credit union was started by and continues to be directed by these men and women.Moroni Feed Credit Union was organized on December 10, 1969 by AD Shepherd. Forty Five people were in attendance.