FHA VS Conventional loan programs in 2025 for 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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  • ACM Investor Services Inc
  • 1101 Fifth Avenue, Suite 220, San Rafael, CA, 94901
  • ACM is to make loans that solve problems for our borrowers, not create them. We make sure that our borrowers have an exit strategy, and we are careful to see it executed. Our investors know that our loans are carefully vetted, secured by real estate at a low-loan-to-value, and that the borrowers have a realistic plan for repayment
  • NonQMHomeLoans.com
  • 7250 Redwood Drive, Suite 300, Novato, CA, 94945
  • NonQMHomeLoans.com is a full-service marketing agency providing the broad spectrum of Conventional & Non-QM Mortgage products.Our knowledgeable team of experts will constantly impress with the first-class service never before experienced in the industry.NonQMHomeLoans.com, our core strengths are the personal touches and unique products we deliver.
  • Private Funds Direct
  • 1555 Grant Avenue, Novato, CA, 94945
  • Kevin Green and Pacific Private Money specialize in supporting funding for real estate investors and borrowers throughout California. I am dedicated to providing fast, friendly, reliable, and no-nonsense service. Pacific Private Money is a member of both the California Mortgage Association and the American Association of Private Lenders.
  • Dryden Capital Inc.
  • 1202 Grant Ave. B-1, NOVATO, CA, 94945
  • Dryden Capital provides Borrowers with fast creative solutions to their financing needs. We are local to the Bay Area but lend throughout California. We make all type of investment loans including Investment properties, Multifamily, Commercial, Rehab, Mixed Use and Construction Loans.
  • Pacific Private Money
  • 1555 Grant Avenue, Novato, CA, 94945
  • In 2008, we identified a need in underserved capital markets left behind in the wake of the financial crisis. Since then, we have grown quickly by serving the expanding market of borrowers who are unable to secure conventional financing, and by specializing in short-term, fast-funding situations.
  • Peninsula Mortgage Inc.
  • 224 W. Washington St, Suite 103, Sequim, WA, 98382
  • Peninsula Mortgage is the longest running independent Mortgage Lender on the Peninsula and is known for expertise, great loan prices and personal service and As an independent Mortgage Lender I am able to fit the best home loan available to my client's needs. A "single source" Lender can only offer the loans they happen to have in house.
  • Sean Clift Mortgage
  • 803 Carlsborg Rd, Sequim, WA, 98382
  • Clift Mortgage has been walking first time home buyers and veteran investors through the murky waters of residential lending for nearly 20 years, and with over 100 years combined experience, we know the pitfalls to avoid, and have the answers you need! residential lending for nearly 20 years
  • Seliga Financial
  • 645 4th St, Suite 211, Santa Rosa, CA, 95404
  • We’re a full service mortgage company with expertise in every area of mortgage lending, from purchase, to refinance lines of credit and debt consolidation. We have access to a full range of mortgage products and are dedicated to providing you with the competitive rates, terms and costs to meet your unique borrowing needs.
  • Fox & Company, Inc.
  • 4710 Bennett Valley Rd, Santa Rosa, CA, 95404
  • we are uniquely positioned to offer our clients a truly customized experience, not a one-size-fits-all solution. We take pride in guiding our clients through every step of the process – from getting a mortgage that fits their exact needs to the intricacies of a purchase or sale of a home. Whether you are seeking a mortgage,
  • Tracey Financial Group, Inc.
  • 2 E Street, Santa Rosa, CA, 95404
  • Tracey Financial Group, Inc is a full service mortgage brokerage providing mortgages to families and individuals. We provide loans for residential and commercial real estate purchases and refinances. We also provide debt consolidation loans as well as construction, investment and multi family loans.
  • McCormick & Co. Homes and Loans
  • 101 E. Street, Suite 101, Santa Rosa, CA, 95404
  • Martin B. McCormick, with over 35 years of experience in banking, finance and real estate; founded McCormick & Co. Homes and Loans in 2007. His goal was to develop a solution-based operation to help consumers and fellow professionals, obtain financing to acquire real estate for home ownership and/or business purposes.