FHA VS Conventional loan in Vandalia, Fayette County, Illinois

For 2025, the conventional loan limit in Vandalia, within the county of Fayette, IL, stands at $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.

Our Lendersa® Conventional loan calculator lets you compare today's best rates for Conventional, FHA, and USDA loans. Determine necessary income, credit score, reserves, and documents to qualify. This tool aligns Conforming Conventional loans with USDA, FHA, and VA loans for streamlined comparisons, aiding you in selecting the best program in IL for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Vandalia, Fayette County, IL

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

These limits apply to zip codes: 62471

Loan Options for Conventional and FHA in Vandalia, IL

Lendersa® strives to offer you the most suitable Conventional, USDA, or FHA loan efficiently. Choose from three options to connect with the right lenders and loan programs.

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