Explore the differences! FHA VS Conventional loan programs in Washington-Park, St. Clair County, Illinois

In 2025, the Conventional loan limit for Washington-Park, in St. Clair county, IL, is set at $647,200, while the FHA limit is $420,680 for a single-family home.

Use the Lendersa® Conventional loan calculator to evaluate today's best rates between Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator shows Conforming Conventional loans, USDA, FHA, and VA side by side to assist you in deciding the best program in IL for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Washington-Park, St. Clair County, IL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison applies to these zip codes: 62204, 62203

Conventional and FHA Loan Options in Washington-Park, IL

The goal of Lendersa® is to quickly and effortlessly get you the best Conventional, USDA, or FHA loan. Choose one of three starting points to find a match among lenders and loan programs.

Overview of Lendersa's USDA loan requests and matches


  • Benchmark Bank
  • 5700 Legacy Drive, Suite 10, Plano, TX, 75024
  • Established in 1964 in a small East Texas town, Quinlan State Bank was the long-time dream of retired oil man Bruce Clardy. Clardy served as Chairman of the Board of Quinlan State Bank, located near his ranch about 45 miles east of Dallas, until his grandson and current Chairman Michael A. Barnett took over in 1983.
  • The Mortgage Nerd
  • 5550 Granite Parkway, Suite 200, Plano, TX, 75024
  • Denise Donoghue, known as "The Mortgage Nerd, " is one of Dallas’ top 3% producing mortgage professionals voted by D-Magazine. Her unique financial approach has to do in part of her upbringing and her finance background. As an early teen, Denise began working to help put food on the table and keep the mortgage paid for her family.
  • Mortgage Solutions Financial Plano
  • 5212 Tennyson Pkwy, Suite 100, Plano, TX, 75024
  • Mortgage Solutions Financial offers a comprehensive range of services to help individuals and families procure new homes, refinance their existing mortgages and reduce their monthly payments. We are in your neighborhood, with professional staff that live where you do and who are committed to understanding your needs. With options for direct lending
  • The Loan Designer
  • 5601 Granite Parkway, Suite 550, Plano, TX, 75024
  • Whether you’re interested in ReFinancing a mortgage, doing some remodel work, or you just got back from overseas and want a VA loan to start building your home, we’ll help you do it.Patty Newby and her team want to help you get the home you’ve always wanted, just like they’ve been doing since 2004.
  • 11 Mortgage
  • 5160 Tennyson Parkway, Suite 1000, Plano, TX, 75024
  • Eleven Mortgage is setting a new standard in the wholesale mortgage market. Our business is built on relationships, precision, and unparalleled service to make mortgage transactions easy for brokers and customers alike. Unprecedented speed and service beyond your expectations are at the heart of every loan. On a scale of one to ten, we are eleven…
  • Cedent Mortgage LLC
  • 6847 Communications Parkway, Suite 710, Plano, TX, 75024
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home and commercial loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Holbrook Mortgage LLC
  • 5851 Legacy Circle, 6th Floor, Plano, TX, 75024
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • InTouch Credit Union-AN
  • 5640 Democracy Dr, Plano, TX, 75024
  • InTouch Credit Union has proudly served members since its charter was granted in 1974, originally to serve Electronic Data Systems (EDS) employees in the Dallas area. Today, our not-for-profit community credit union has branches in three states, including our corporate headquarters located in Plano, Texas.
  • John Cross Mortgage LLC
  • 5700 Granite Parkway, Suite 200, Plano, TX, 75024
  • Whether you're interested purchasing a new home or refinancing your current home, John Cross Mortgage is here to help you find the loan options that fit your individual needs. We have been lending since 2007, and have been a Broker since 2015, we Major in both FHA, and Conventional, we are able to do USDA and VA loans as well.
  • Meru Lending LLC
  • 7800 Preston Road, Suite 111, Plano, TX, 75024
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Sequoia Residential Lending llc
  • 5700 Granite Parkway, Suite 200, Plano, TX, 75024
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
  • Texas Mortgage Company
  • 6860 North Dallas Parkway, Suite 200, Plano, TX, 75024
  • We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available.