USDA and FHA Pro and Con in Centreville, St. Clair County, IL

In 2026, the USDA loan limit for Centreville, in the county of St. Clair, IL, is $336,500. The FHA limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to compare today's USDA and FHA rates, determining income, credit, reserves, and required documents. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the suitable program for your financial needs, particularly in Alabama.

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Loan Limits & Downpayment Requirements for 2026 in Centreville, St. Clair, IL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Centreville, IL

Lendersa® aims to quickly secure the best USDA or FHA loan for you without difficulty. Choose one of three approaches to connect with lenders and find fitting USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan is a mortgage backed by the Department of Agriculture, also known as a USDA rural development loan, and is available only in rural areas. Unlike FHA loans that need a minimum 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



Centreville Lenders

  • FCB Banks
  • 2610 N Illinois St, Swansea, IL, 62226
  • Lends in Illinois
  • FCB Banks are committed to being your first choice for financial services.We are locally owned and managed with experienced staff and officers and FCB Banks is a bank with operations in one state. FCB Banks offers numerous mortgage programs including conventional, non-owner occupied, FHA, VA, USDA, construction and bridge loan mortgages