In 2025, the FHA loan limits set for O'Fallon county in St. Clair, IL, are as follows: $356,362 for a single-family home, $456,275 for properties with 2-units, $551,500 for 3-units, and $685,400 for 4-units.
For conventional loans on a single-family residence, the top amount is $548,250. This extends to $702,000 for two-unit residences, increasing to $848,500 for three units, and reaches $1,054,500 for four-unit homes.
Utilize our FHA calculator to check today’s prime FHA rates and to evaluate the necessary downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those from a variety of loan programs. You can explore options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans alongside FHA.
Lendersa® quickly gathers loan data from thousands of lenders and matches it to your financial profile for a personalized comparison.
The Loan Limits Comparison Table for 2025 in O'Fallon county, St. Clair, IL, outlines maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To see qualification requirements for income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
