FHA VS Conventional loan programs in Urbana, Champaign County, Illinois

In the year 2025, the maximum for conventional loans in Urbana, located in Champaign county, IL, is $726,200, whereas, for FHA loans, the limit is $472,030 for a single-family home.

Utilize the Lendersa® Conventional loan calculator for a side-by-side comparison of today's best Conventional, FHA, and USDA rates. Determine the necessary income, credit score, reserves, and documentation needed to qualify. Evaluate Conforming Conventional, USDA, FHA, and VA loans simultaneously to discover the program that best fits your financial needs in IL.

Compare offers from 100 different lenders

Loan limits and down payment details for 2025 in Urbana, Champaign, IL

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

This table relates to zip codes: 61801, 61802, 61803

Explore Conventional and FHA loans in Urbana, IL

Lendersa® aims to secure the best Conventional, USDA, or FHA loan swiftly and without stress. Begin with one of three paths that link you with matching lenders and loan options.

Lendersa's USDA loan requests and matching outcomes


  • Hyak Financial
  • 2435 Strider Ln, Suite 105, Bellingham, WA, 98226
  • Hyak Financial provides a wide variety of commercial mortgage products and business financing services. With over 90 years of combined commercial banking, mortgage, and real estate experience, the Hyak Financial Team has the experience to find the best rates and terms on most commercial real estate or business financing transactions.
  • Fulton Financial Consultants, Inc.
  • 3790 Shorewood Avenue, Greenbank, WA, 98253
  • Fulton Financial Consultants, Inc. formally incorporated under the laws of Washington State on April 21, 1980 with the name Fulton Insurance Consultants, Inc. Then in 1995 changed its name to Fulton Financial Consultants, Inc. which was done for multiple reasons including the preparation of expanding licensing to become a Mortgage Broker.
  • Full Spectrum Capital Corporation
  • 7439 N Fiske Ave, Portland, OR, 97203
  • Full Spectrum Capital is a boutique mortgage brokerage dedicated to providing an array of loan options, competitive rates, a streamline process and truly understanding your overall situation. We have developed relationships with a large network of lenders which provides you with specially catered loan options to fit your specific situation.
  • Liberty Bank
  • 19917 7th Avenue Northeast, Suite 101, Poulsbo, WA, 98370
  • Liberty Bank is a forward-thinking, customer-centric community bank committed to providing the best banking service and customer satisfaction in the Puget Sound Region. We are locally minded, civically engaged, and have an abiding appreciation for the communities we serve. Our outstanding employees work with diligence
  • Hawkins Home Loans
  • 1401 Halyard Road, Suite 130, West Sacramento, CA, 95691
  • Our goals are to fulfill your mortgage needs with the friendliest customer service, secure a loan you can feel good about, and make you a happy homeowner. Hawkins Home Loans is a licensed mortgage broker based in West Sacramento, California. Our Business is built on our decades-long industry expertise and relationships, which benefits.
  • Northern California Financial
  • 2001 Carmel Circle, Lodi, CA, 95242
  • We rely primarily on human interaction to obtain new business. You can visit us and ask questions at one of our tables the CDCR Facilities. Our reputation depends on personal interaction being a success thru and thru. We have worked with employees of the State of California (CDCR primarily ) for over 20 years.
  • Edgewater Financial
  • 410 N. 1st Ave, Stayton, OR, 97383
  • Edgewater Financial (a trade name of Prestige Mortgage Services Inc.) is located in Salem, OR, and is Oregon’s premier mortgage broker. We understand that taking out a loan is an important process, which is why we want to make it as easy for you as possible. Our dedicated staff will be able to help you get the best loan possible.
  • United Trades FCU
  • 20210 SW Teton Avenue, Tualatin, OR, 97062
  • Since our start in 1955 by the steamfitters’ union, United Trades Federal Credit Union in the Pacific Northwest has been devoted to skilled trades unions workers. We’re like other credit unions in that we serve a defined “field of membership, ” but where we do differ is in how we serve them.
  • All Pacific Mortgage
  • 8100 SW Nyberg Rd, Suite 295, Tualatin, OR, 97062
  • Our purpose is to inspire the world of homeowners. We are committed to making our clients and partners feel safe and secure throughout the loan process. We do this by emphasizing the importance of great communication, education, and responsiveness in today’s mortgage and real estate world.
  • Value Mortgage Inc
  • 8695 SW Chinook St, Tualatin, OR, 97062
  • We are locally owned, operated and licensed in Oregon, Washington and California. Our mortgage brokers use lending services from hundreds of wholesale banks and mortgage companies. We continually update our database to stay ahead of our competitors. At Value Mortgage Inc., value each and every one of our clients
  • Alliance Capital Partners Corp
  • 4535 SW Laurelwood Avenue, Portland, OR, 97225
  • Alliance Capital Partners is dedicated to helping clients achieve their financial goals by offering multiple loan programs which are identified per individual transaction need. We are a service based company, and want to focus on facilitating a positive experience for each client. Rather than having to deal with a major bank on your own.