FHA VS Conventional loan programs in Vandalia, Fayette County, Illinois

In 2025, Convetional loan limit in Vandalia, county of Fayette, 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 Vandalia, county of Fayette, 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: 62471

Conventional and FHA loan options in Vandalia, 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


  • Kama'aina Mortgage Group Inc.
  • 500 Ala Moana Blvd, , Suite 427A, Honolulu, HI, 96813
  • Kama'aina Mortgage Group, we are committed to ethical and honest lending. It is our priority to build a relationship with our clients to ensure the best financing option with the most value. Whether you are purchasing your first home, or you are a seasoned buyer looking to cash out equity, you have landed at the perfect place!
  • Hawaiian Financial Federal Credit Union
  • 1138 N King Street, Honolulu, HI, 96817
  • Hawaiian Financial Federal Credit Union formed out of an idea from Mutual Telephone Company employees. On October 22, 1936, 65 employees signed on as charter members with assets totaling $2,517, calling themselves Mutelco Oahu Employees Federal Credit Union. In the aftermath of the S&L crisis of the 1980s, many people are turning a wary
  • Hawaii National Bank
  • 45 N King St, Honolulu, HI, 96817
  • Hawaii National Bank opened its doors on Sept. 19, 1960, to the sound of 10, 000 firecrackers in Honolulu’s Chinatown neighborhood. By the day’s end, the bank had taken in $6.25 million in deposits, a national record for any first-day deposits for a new bank. From this auspicious start, Hawaii National Bank grew.
  • American Savings Bank Hawaii
  • 300 N Beretania St, Honolulu, HI, 96817
  • American Savings Bank Hawaii is a bank with operations in one state. American Savings Bank Hawaii offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, HomeReady and construction mortgages American Savings Bank is a great bank making people’s dreams possible offering a range of financial services.
  • HawaiiUSA Federal Credit Union
  • 1226 College Walk, Honolulu, HI, 96817
  • we originally opened as a credit union for educators. Though times have changed and we’ve grown into so much more, we never lost sight of who we serve. That’s why we partnered with 122 schools and organizations across the state of Hawai‘i in 2020. In addition, we awarded 21 scholarships and granted 41 career enhancement stipends to educators.
  • Honolulu Fire Department Federal Credit Union
  • 1200 N. School Street, Honolulu, HI, 96817
  • As a federally-chartered, federally-insured financial cooperative, Honolulu Fire Department Federal Credit Union is a member-owned and member-governed financial institution like the other 7, 000 credit unions across the country. With our focus on firefighters throughout Hawaii, we truly serve to be Your Lifeline for a Lifetime!
  • Millennium Lending LLC
  • 3455 Kaohinani Drive, Honolulu, HI, 96817
  • Gunner Schull is the owner of the Mortage company With 25 years in the real estate industry as a lawyer and lender I have acquired a unique expertise to assist my clients with all their real estate financing transactions. I opened Millennium Lending in 1999 and have existed entirely from referral and repeat customers.
  • HHOC Mortgage
  • 1259 Aala St, Suite 201, Honolulu, HI, 96817
  • HHOC Mortgage is dedicated to offering affordable mortgage loans to Hawaii’s homebuyers that are competitively priced. HHOC Mortgage primarily serves low and moderate-income target markets and communities. HHOC Mortgage provides financial support to Hawaii HomeOwnership Center to enable continuance of its mission to provide prospective
  • Pacific Rim Mortgage
  • 98-151 Pali Momi St, Suite C2A, Aiea, HI, 96701
  • Pacific Rim Mortgage LLC has been around since 2005. We specialize in FHA loans, VA loans, USDA loans, pre-approvals, purchases, refinances, debt consolidation, and credit repair. Our team averages over 12 years of mortgage lending experience. We have closed many loans, won many awards, and worked really hard.
  • Hawaii Law Enforcement Federal Credit Union
  • 1936 South King Street, Honolulu, HI, 96826
  • The Hawaii Law Enforcement Federal Credit Union was originally formed in 1937 as the Honolulu Police Federal Credit Union by a group of police officers. The goal was to create a financial institution to serve the unique financial needs of the employees of the Honolulu Police Department.
  • Paradise Home Mortgage
  • 1837 Kalakaua Ave Ste 1704, Honolulu, HI, 96815
  • · Ultra Low “Wholesale Mortgage Rates” for Refinances and Purchases! · Over 200 1st Party 5 Star Online Reviews! · Company and Head Broker vetted by Hawaii's Channel 2 TV News and named “The Local Mortgage Expert” · Expertise.com AWARD FOR BEST OF BEST BROKER in California & Hawaii! · A+ Rated and Accredited with the Better Business Bur