USDA Vs. FHA Pro and Con comparison in Lebanon, St. Clair County, IL

In 2025, USDA loan limit in Lebanon, county of St. Clair, IL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Lebanon, county of St. Clair, IL

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

USDA and FHA loan options in Lebanon, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Simply Home Lending
  • 1450 East Zion Road, Suite 10, Fayetteville, AR, 72703
  • Generations Mortgage specializes in home purchase and refinance loans. We are committed to helping you obtain the ideal mortgage for your unique situation. Our knowledgeable, experienced staff will help you evaluate your options, identify the best-suited loan program and clear the way to a timely closing.
  • Local Union 392 Federal Credit Union
  • 1228 Central Parkway, Room 302, Cincinnati, OH, 45202
  • Our Credit Union is a member owned not-for profit organization aimed at assisting our members. We strive to provide innovative products and personalized service to help members achieve their financial goals. The credit union was establised to receive and manage the vacation fund contributions for members of the Pipe Fitters Local Union No. 392.
  • BlueMark Capital, LLC
  • 700 Walnut Street, Suite 300, Cincinnati, OH, 45202
  • BlueMark Capital is a full service commercial mortgage banking firm with offices in Cincinnati, Dayton, and Cleveland, Ohio. BlueMark originates, closes, and services a loan portfolio in excess of $1.4 billion. In addition to having CMBS and agency relationships, the company exclusively represents more than 20 Life.
  • JT Capital Advisors
  • 312 Walnut Street, Suite 1600, Cincinnati, OH, 45202
  • "JT Capital Advisors has been a lender & broker for years doing transactions nationwide every day. We speak to lenders as a regular part of our business. We “STUDY” our lenders first…their needs…what they are willing to fund. By knowing in advance what they WANT to approve, we immediately know how to structure and package your file for approva
  • Metro Employees Credit Union
  • 1306 Versailles Road, Suite 140, Lexington, KY, 40504
  • MECU was established in 1940 by city employees looking for a way to earn higher rates on savings and lower rates for loans. Today, MECU has grown into a full service credit union. Membership in MECU is open to employees of the City of Lexington, employees of accepted outside agencies of the City of Lexington, employees of the Credit Union.
  • Greater Kentucky Credit Union
  • 1001 Red Mile Rd, Lexington, KY, 40504
  • Since 1953, Greater Kentucky Credit Union has made being with a Credit Union easy and rewarding. While some credit unions have niche membership eligibility requirements, Greater Kentucky membership is open to anyone who lives, works, worships or attends school in any of the 24 counties in Kentucky or to any relative of an existing member.
  • The Famers State Bank (New Madison, OH)
  • 101 S. Main St., New Madison, OH, 45346
  • The Farmers State Bank is a Community Bank for Community People. We offer competitive deposit products for individuals and businesses. Our loan products include loans for the purchase or refinance of your personal residence; ones to purchase the vehicle of your choice; and home equity loans for the improvement of your residence.
  • Weatherhead C.C. Federal Credit Union
  • 511 N Line Street, Columbia City, IN, 46725
  • Weatherhead Federal Credit Union has been open since 1965. The credit union has assets totaling $16.08 Million and provides banking services to more than 2,000 members. Membership: The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • Childrens Medical Center Federal Credit Union
  • 3333 Burnet Avenue, Cincinnati, OH, 45229
  • Children’s Medical Center Federal Credit Union is a member-owned and operated credit union. The mission of Children’s Medical Center Federal Credit Union is: To promote fiscal responsibility among our members, To increase the knowledge and ability of our members to manage and control their financial well- being
  • Team Tuttle Mortgage LLC
  • 813 S Huntington Street, Suite 2, Syracuse, IN, 46567
  • Team Tuttle Mortgage, LLC has been helping clients in Northern Indiana since 1997. As a broker, we observe ethical standards of practice and subscribe to the National Association of Mortgage Brokers code of ethics. We offer the assistance you need to help in all of your mortgage endeavors.
  • Student Loan Crisis Center
  • 243 Regency Cir, Suite 2, Lexington, KY, 40503
  • The Student Loan Crisis Center was formed by a group of lawyers and accountants with family members experiencing student loan debt problems. Their family was confused with the complexity of student loans, anxious about repayment and depressed by the effect of those loans on their future. This website was created to relieve that anxiety with honest