FHA VS Conventional loan programs in 2026 for Urbana, Champaign County, Illinois

In the year 2026, 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.

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Loan limits and down payment details for 2026 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

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


  • Direct Lending Group Inc
  • 3443 Deltona Blvd, Spring Hill, FL, 34606
  • Direct Lending Group, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Mortgage Financial Group, Inc
  • 1100 E. Alfred Street, Tavares, FL, 32778
  • Mortgage Financial Group, Inc. operated in Mount Dora, FL out of a rented space for approximately 5 years before purchasing what is now its main headquarters in Tavares located in the center of FL respectively. Though a local lender, the company is currently licensed in four states

  • SouthStar Bank
  • 5925 Steiner Ranch Blvd, Austin, TX, 78732
  • SouthStar Bank, S.S.B. (headquartered in Moulton, TX) specializes in residential mortgage, real estate, and construction lending, operating 15 full-service branches across the Central Texas region. Established in 1920, the bank holds over $1 billion in assets and focuses on community involvement and personal relationships.

  • Oasis Mortgage and Realty LLC
  • 7086 Comanche Trl, Austin, TX, 78732
  • We strive to get the best deal as we are partnered with the largest wholesale lenders. Our Traditional products include Conventional, Jumbo, FHA, VA, & USDA loans. Market-leading pricing means we can offer you some of the lowest rates available. Residential Mortgage Brokerage with the Nation Largest Lender can give you the best competitive rates

  • Brazos National Bank Of America
  • 2300 Brazosport Blvd N, Richwood, TX, 77531
  • At Brazos National Bank, we take the role of community banking seriously. We strive to deliver the financial products and services that the community needs with a personal touch. Whether you prefer the convenience of online or ATM banking or the personal service of a friendly, knowledgeable banking professional.

  • Approved Mortgage Source
  • 1039 Harley Strickland Blvd Suite 700, Orange City, FL, 32763
  • Approved Mortgage LLC is Central Florida's premier mortgage lender. Our diverse team of lenders is experienced in all types of mortgages and mortgage loans and is committed to helping you get approved for the financing you need. We are proud to say that most of our business comes from the referrals of our satisfied clients.

  • Sovereign Mortgage Investments Inc
  • 1495 S Volusia Ave #102, Orange City, FL, 32763
  • Sovereign Mortgage Investments, Inc. has expertise and knowledge needed to explore the many financing options available and has been originating and processing mortgage loans for over 17 years. We enable clients to purchase and refinance their homes while offering a wide range of mortgage products such as FHA, USDA, VA.

  • Plan Lending
  • 224 West Park Street, Suite 200, Freeport, TX, 77541
  • PLAN Lending Has Multiple Loan Programs And Strategies, Expert Knowledge And Working Experience To Finance Your Next Property Successfully! Strategies. What Separates PLAN From Other Lenders Is Providing Our Clients VaLuable Strategies To Achieve Their Financing Goals. The Crux Of That Success Is The Full Understanding Of Ever-Changing Lending.

  • Worcester Fire Dept Credit Union
  • 34 Glennie Street, Worcester, MA, 01605
  • Firefighters of the City of Worcester have benefited from a long and rich history of member service. It has evolved over the years from a "savings and loan" business to a full service financial institution.When you become a member of the Worcester Fire Deptartment Credit Union, you also become an owner. We will continue through sound investments

  • Capital Biz Solutions, Inc
  • 474 Grove St, Worcester, MA, 01605
  • Our main objective is to help companies acquire the capital they need to grow their business on their terms. We will guide you through the process and outline the lending parameters. It is our job to insure you’re well informed, and there are no surprises. It is our pledge to provide you with the best business lending available.

  • PeopleFund
  • 2921 E. 17th Street, Building D, Suite 1, Austin, TX, 78702
  • PeopleFund creates economic opportunity and financial stability for underserved people by providing access to capital, education and resources to build healthy small businesses. PeopleFund believes that healthy small business growth is the key to economic recovery and development and that every person.