FHA VS Conventional loan programs in Troy, Madison County, Illinois

In 2025, Convetional loan limit in Troy, county of Madison, 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 Troy, county of Madison, 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: 62294

Conventional and FHA loan options in Troy, 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


  • Elevate Credit Union
  • 1023 Medical Dr., Brigham City, UT, 84302
  • Elevate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys and experiences of your financial life. Join us. Let’s create something great together!vate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys.
  • Alta Mortgage Group
  • 4824 South 6150 West, Hooper, UT, 84315
  • At Alta Mortgage Group, 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.
  • MEMBERS PREFERRED CREDIT UNION
  • 1515 Hoopes Avenue, Idaho Falls, ID, 83404
  • Members Preferred Credit Union has been open since . It's the 21st largest credit union in Idaho with assets totaling $44.43 Million and providing banking services to more than 4,000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans
  • Idaho First Mortgage - Oswald Talbot Group
  • 3340 Merlin Drive, Idaho Falls, ID, 83404
  • We're a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms
  • Bell Financial Group
  • 1833 E 17th St, Idaho Falls, ID, 83404
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in Idaho, Our team specializes in Southeast Idaho, including Idaho Falls, Pocatello, Rexburg, Rigby, and Blaclfoot. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt
  • InterWest Mortgage
  • 1275 E 17th St, Idaho Falls, ID, 83404
  • InterWest Mortgage, who recently merged with Eagle Bank & Trust, has built a strong reputation as an outstanding mortgage company. Under the leadership of SVP/Branch Manager Joni Kepler, InterWest has regularly been recognized as one of Idaho Falls’ and Bonneville County’s top lenders.
  • Idaho First Mortgage
  • 3340 Merlin Dr, Suite 200, Idaho Falls, ID, 83404
  • We have built a strong reputation as an outstanding mortgage lender, serving the needs of homebuyers throughout the state. We’re a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending…from purchase to refinance to construction lending.
  • Katahdin Trust Company
  • 11 Main Street, Patten, ME, 04765
  • Katahdin Trust is built on our heritage of commitment to the growth of the communities we serve. In our role as a true community bank, Katahdin Trust and its employees have long been recognized for our commitment to giving back to the communities that we serve. We are very proud that our commitment to communities is so extensive.
  • Manhattan Bank
  • 124 S Broadway, Manhattan, MT, 59741
  • Locally owned and operated full service bank offering financial products and services. Something for everyone from personal to business to agriculture and more. We now offer on the go options like mobile banking mobile deposit and person to person payments. One of our Customer Service Representatives would love to explore the right options for you.
  • Bank of The Rockies
  • 205 West Main Street, White Sulphur Springs, MT, 59645
  • We are a full-service bank with offices in Bozeman, Clyde Park, Emigrant, Helena, Lewistown, Livingston, and White Sulphur Springs. Our goal is to be the strongest financial partner that our community has by priortizing community involvement and service. As the oldest bank in Montana, we are constantly trying to improve the way we serve.
  • SEI Credit Union
  • 555 N 5th Avenue, Pocatello, ID, 83201
  • At SEI Credit Union, we think managing your finances should be simple. We pride ourselves on knowing your name when you walk through our door. We are a professional credit union with the convenience afforded by hometown values. Contact us today!Credit Union, we think managing your finances should be simple.
  • Connections credit union
  • 1150 North 8th Avenue, Pocatello, ID, 83201
  • Connections Credit Union is open to most persons, along with family members who live and work in Ada, Bannock, Bingham, Bonneville, Canyon, Cassia, Jefferson, Jerome, Lincoln, Minidoka, and Twin Falls counties. Membership also extends to businesses and other legal entities operating in those counties.