In 2026, the limit for Conventional loans in Smithton, located in St. Clair county, IL, is $726,200. The FHA limit for a single-family home is $472,030.
Use the Lendersa® Conventional loan calculator to compare today's most favorable rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows side-by-side views of Conforming Conventional loans, USDA, FHA, and VA, aiding in identifying the best 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 applies to zip codes: 62220
The goal of Lendersa® is to quickly secure the best possible Conventional, USDA, or FHA loan for you, free of hassle. Begin by choosing one of three starting points to match you with compatible lenders and loan programs.
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