FHA VS Conventional loan programs in 2025 for Springfield, Sangamon County, Illinois

In 2025, Convetional loan limit in Springfield, county of Sangamon, IL is $726,200 while FHA limit is $472,030 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Springfield, county of Sangamon, IL

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

The comparison table applies to zip codes: 62711, 62712, 62702, 62703, 62701, 62707, 62704, 62705, 62706, 62715, 62716, 62719, 62722, 62726, 62736, 62739, 62756, 62757, 62761, 62762, 62763, 62764, 62765, 62766, 62767, 62769, 62776, 62777, 62781, 62786, 62796

Conventional and FHA loan options in Springfield, 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


  • Mortgage Masters Inc
  • 2699 Stirling Road, Suite C101, Fort Lauderdale, FL, 33312
  • Mortgage Masters Inc, a "frustration-free zone" where we get you started toward qualifying and applying for a mortgage loan. Our mortgage professionals can get you approved in record time! That's because we take advantage of the very latest and best automated tools to speed you hassle-free toward your new home, new mortgage or home equity cash!
  • Mutual Mortgage Lending Corp
  • 2650 W. State Rd 84 Suite 101, Fort Lauderdale, FL, 33312
  • Mutual Mortgage a Florida-based mortgage firm.Since the beginning, our company has dedicated our resources to serving the needs of both residential and commercial clients. Our goal is simple, we want our clients to pay less and get more. In order to achieve this goal, we seek to find our clientele the most suitable loan at the lowest possible rate.
  • SUN Credit Union
  • 701 Promenade Dr, Pembroke Pines, FL, 33026
  • SUN Credit Union has been a vibrant part of the South Florida community since 1946. Originally chartered by City of Hollywood employees, our membership has grown to include real estate professionals in Dade and Broward counties, Miami Shores Village employees, and Chamber of Commerce business members (including their employees
  • Transparent Mortgage Lending Inc
  • 10338 Santiago Street, Cooper City, FL, 33026
  • "Transparent Mortgage Lending was established to help people get the homes that they want. With our expertise, we provide more options and lending opportunities to the people of Florida. We are licensed (NMLS #1753817), knowledgeable in the industry, nd fully trained to assist clients in getting the loans they need."
  • Falloon Mortgage Funding Corp
  • 701 Promenade Drive, Suite 201, Pembroke Pines, FL, 33026
  • We are passionate about making the dream of homeownership a reality for as many individuals as possible. Falloon Mortgage Funding, we take pride in catering to our clients’ individual needs and making the process of home buying as stress-free as possible, from start to finish. We are the mortgage lender you need!
  • Celebrity Mortgage
  • 320 SE 11th Street, Fort Lauderdale, FL, 33316
  • Celebrity Mortgage Corporation is dedicated to helping you get the loan you need quickly and easily. Our experienced team of licensed loan originator professionals work tirelessly to assure the mortgage process is seamless from comprehensive pre-approvals to the closing table. Whether you are purchasing a home or simply refinancing your existing
  • Home Loan Brokers LLC
  • 3350 SW 148th Ave, Suite 110, Hollywood, FL, 33027
  • Home Loan Brokers LLC is a Florida limited liability company based in Miramar. If your lender sends you a revised Loan Estimate, please compare it to the previous one you received. Can you tell what changed? If not, call your Loan Officer right away or contact us if we can help..
  • A Plus Mortgage
  • 15800 Pines Blvd, Suite 329, Pembroke Pines, FL, 33027
  • A Plus Mortgage Full service mortgage company based in Pembroke Pines, Florida. We specialize in first time home buyers and FHA 203k mortgage loans. We can help save money with a new lower monthly payment or help you realize your dream of home ownership! FHA 203k mortgage loans. We can help save
  • Aria Mortgage Solutions LLC
  • 3350 SW 148th Avenue, Suite 110, Miramar, FL, 33027
  • ARIA Mortgage Solutions. We are a full-service mortgage company based in Miramar, FL. We specialize in Various residential loans. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
  • Worldwide Mortgage Lending Group Inc
  • 3350 SW 148 AVE, Suite 204, Miramar, FL, 33027
  • 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.
  • South Florida Quality Mortgage Corp.
  • 12781 Miramar Pkwy. Ste# 303, Miramar, FL, 33027
  • "A hard equity loan is an asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are issued by private investors or companies. As a hard equity lender, we understand better your business needs, and are able to provide more flexible solutions for your specific circumstances"