USDA Vs. FHA your options comparison in Cahokia, St. Clair County, IL
For the current year, 2025, within the St. Clair County located in IL, the USDA loan limit in the city of Cahokia is set at $336,500. In comparison, the FHA loan cap for a single-family home within this area is established as $472,030.
Utilize the Lendersa® USDA loan calculator to effectively compare today's leading rates between USDA and FHA loans. This tool is designed to help you determine essential factors such as income, credit score, reserves, and necessary documents, ensuring you understand what is needed to qualify. Through our sophisticated mortgage calculator, you can view a side-by-side comparison of USDA, FHA, Conforming, and VA loans. This comprehensive overview aids in deciding the most suitable loan program in based on your unique financial circumstances.
Review Loan Limits and Downpayment Requirements for 2025 in Cahokia, St. Clair County, IL
Type of Loan
Loan Limit
Down Payment Requirement
USDA Loan
$336,500
0% required
FHA Loan
$472,030
3.5% required
Conventional Conforming Loan
$726,200
3% required
Diverse USDA and FHA Loan Options in Cahokia, IL
At Lendersa®, our priority is to secure the optimal USDA or FHA loan for you quickly and with minimal complication. We offer three practical starting points that will guide you towards matching with the right lenders and the preferred USDA loan schemes.
A USDA home loan is a government-backed financing option secured by the Department of Agriculture, commonly referred to as USDA rural development loan or mortgage. This type of mortgage is uniquely available to residents in rural areas only. In contrast to FHA loans that require a minimum down payment of 3.5%, a USDA mortgage does not necessitate any down payment, offering a significant advantage for eligible borrowers.
The Health Alliance Federal Credit Union (HACU) began as the Somerville Hospital Employees Federal Credit Union. Our first President, Jim Mahoney and the Board of Directors had a vision to provide a cooperative means of savings and lending to the employees of the Somerville Hospital. Each member purchased shares and thus began the credit union in S
Somerville School Employees Federal Credit Union is limited to the select employee group composed solely of individual employees of the city of Somerville, Massachusetts, who are paid from the payroll of the city of Somerville, Massachusetts and who work for the Somerville School Department.
Naveo is a local not-for-profit community financial institution focused on serving its members/owners. Our mission is to assist our members with their financial needs by providing them with products and services they need in a friendly, inviting environment. As stated in our motto of “Saving Together to Lend to Each Other, ” we take member deposits
SCU Credit Union, you can take advantage of our full range of deposit accounts, loans, and related services featuring highly competitive rates. We are a leading provider of home and auto financing throughout our service area. We offer the latest technology, which allows you access to your accounts from your home, office or on the go.
HarborOne Bank has been serving the needs of customers and the communities that we call home for over 100 years. Today, HarborOne has 26 branches in southeastern Massachusetts and Rhode Island and commercial lending offices in Boston and Providence. HarborOne Mortgage, headquartered in Manchester
Desert Rivers is an NCUA founded in 1957 and has approximately $54.69 millions in assets and also Serving residents of Southeast Utah with a full range of financial products, with our locations in Green River, Moab, Monticello and Blanding. We also are pleased to offer a nationwide network of Branches and ATMs through shared branching.
Winter Hill Bank is an independent, mutual, community bank that provides exceptional customer service and quality financial products. We are committed to providing value and the highest quality financial services to our depositors and borrowers and maintaining our role as a financial resource to our communities and surrounding market area
3400 W Commercial Blvd, Fort Lauderdale, FL, 33309
For over 50 years, we have been serving members who are employees of the State of Florida, retirees of the Florida Department of Transportation; employees of firms who have a current contract with the Florida Department of Transportation; those who live or work in Martin, St Lucie, Indian River, De Soto, Glades, Okeechobee, or Charlotte County.
2350 West Commercial Blvd, Fort Lauderdale, FL, 33309
At Broward HealthCare Federal Credit Union, we care about you and your financial well-being. We are dedicated to providing you world class member service and the financial advantage to achieve your goals. We provides you with all the features and benefits of being a member of Broward HealthCare Federal Credit Union.
Since 2004 Universal Home Lending Corp has built tremendous pride in ourselves, ensuring that all of our clients walk into every transaction with eyes wide open. We take the necessary time to walk you through the process, guiding to make sure you're aware of the choices afforded to you.
6750 North Andrews Ave.,, Fort Lauderdale, FL, 33309
KBG TAX service your financial well being is our business. Our goal is to repair your past and prepare you to invest in to your future. We take in clients information analyze the data prepare and process the paperwork and based upon information provided we present the highest refund possible
