USDA Vs. FHA Pro and Con 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.
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