FHA VS Conventional loan programs in Monticello, White County, Indiana
In 2025, the conventional loan limit for Monticello, located in White county, IN, is $726,200. On the other hand, the FHA limit for a single-family home is set at $472,030.
Leverage the Lendersa® Conventional loan calculator to evaluate today's best rates for Conventional, FHA, and USDA loans. Determine the necessary income, creditworthiness, reserves, and documentation to qualify. Our sophisticated mortgage calculator showcases Conforming Conventional, USDA, FHA, and VA loans side by side, enabling you to choose the most suitable program for your financial needs in IN.
2025 Loan Limits and Downpayment Requirements in Monticello, White County, IN
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to zip codes: 47960
Conventional and FHA Loan Opportunities in Monticello, IN
Lendersa® aims to provide you with the optimal Conventional, USDA, or FHA loan promptly and without hassle. Choose one of three approaches to connect with compatible lenders and their loan offerings.
The Rails West Federal Credit Union has been serving members since 1935. We are a non-profit financial institution, owned and controlled by our members. Our Mission is to serve the personal financial needs of our members efficiently and vigorously.
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Our story began in 1913 when several gents in Libby Montana got together and decided it would be a fine idea to create a bank dedicated to helping the community prosper and grow. Since that day, that small local bank has grown to ten branches serving eight western Montana communities.
We offer a full range of deposit and loan services, featuring some of the most competitive rates in the country. One of our specialties is government-enhanced loans such as those provided in conjunction with the Montana Board of Investments, the Small Business Administration, the U.S. Department of Agriculture, and other state and federal programs.
