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.
8112 Maryland Avenue, Suite 101, Clayton, MO, 63105
Our values are woven into our uncommon business model, one that offers commercial banking, trust and family office services all within one organization. We develop relationships of distinction, built upon strong, lasting bonds. Our clients know we are here for them in good times and capable and trusted in the face of challenges.
The Business Bank of St. Louis was founded in 2002 and became Stifel Bank on August 31, 2018. Based in Clayton, Missouri, Stifel Bank serves growing and middle market businesses and their owners with a full range of lending, deposit, treasury and private banking services. We have the flexibility and resources to offer our customers the banking
We offer Banking and financial services with offices in Arizona, Kansas, Missouri and New Mexico. Member FDIC, Equal Housing Lender Enterprise Bank & Trust was founded nearly 30 years ago on the idea of serving the lifetime financial needs of privately-held businesses their owner families and other success-minded individuals.
7777 Bonhomme Avenue, Suite 1800, Saint Louis, MO, 63105
We specialize in conventional, FHA, Veterans (VA) & Jumbo Loans. We work with 8 major banks, but don't have any allegiance to a specific one. Because of that fact we are able to routinely offer you some of the lowest rates in the country. What separates us from other local brokers is that you will never have to pay ANY broker fees
7733 Forsyth Blvd, Suite 1100, Saint Louis, MO, 63105
Gateway Mortgage is one of the longest established Missouri mortgage brokerage firms in the St. Louis region serving clients since 1990. Our company has expanded rapidly over the years but we’ve always strictly adhered to our proven business model of excellence & honesty the foundation that has made Gateway the selection of over 10, 000 homeowners
2001 S Hanley Rd, Suite 195, Saint Louis, MO, 63144
The Strick Group, is your full-service home financing resource when you want to purchase or refinance. Our mortgage experts have over 40 years of combined experience & will help find the best mortgage solution for you. We pride ourselves on delivering a stress-free loan process from pre-approval to closing & offer some of the lowest rates and fees.
1600 S Brentwood Blvd, Suite 700, Saint Louis, MO, 63144
The Home Loan Expert,didn’t just show up as one of the nation’s top Mortgage Lenders by chance.Ryan built his business from the ground up starting in 2004 as a Loan Officer with Shelter Mortgage.With hard work & lots of referrals,Ryan was consistently their Top Producing Loan Officer & helped build the company to one of the larger Mortgage Bankers.
7645 Delmar Blvd, 2nd Floor, Saint Louis, MO, 63130
"We’re a small private money lender dedicated to helping real estate investors, rehabbers and flippers in the greater St. Louis area. We’ve been serving investors with private loans and hard-money loans since 2011.
We’ve made a choice to stay small and local in St. Louis so we can be the best resource possible for our real estate borrowers."
Founded in 1941 as a source of loans and basic savings products, GCS Credit Union has always focused on the member. Through the years, that philosophy has served us well, helping us grow from a single office in Granite City to a full-service financial institution serving the following Illinois counties: Sangamon, Logan,
Qualify 4 mortgage common Types of Mortgage to help you determine which loan would be best for you. You should consult with Dave Anderson to determine which type of mortgage is best suited for your individual circumstance. We specialize in these loans FHA Mortgage, VA Mortgage, Conventional Loan and more.
10000 Watson rd, Suite 2-L-13, Saint Louis, MO, 63126
We are a Missouri licensed mortgage broker located in St. Louis. We provide mortgages for Purchase and refinancing. FHA and VA loans are available and also We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms.
