USDA Loan Vs. FHA loan pro & con for O'Fallon, St. Clair County, IL

In 2025, USDA loan limit in O'Fallon, county of St. Clair, IL is $285,000 while FHA limit is $356,362 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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USDA and FHA loan options in O'Fallon, 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.

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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.

(412) 243-7574 548 miles Lender's profile and map Reviews The East End Food Co-op Federal Credit Union 7516 Meade Street, Pittsburgh, PA, 15208 The East End Food Co-op Federal Credit Union is a member-owned and democratically-governed non-profit financial cooperative. Together, we strive to provide equitable access to fair and transparent banking and credit. We are committed to safe, sound and sustainable banking that responds to the needs of the community, nurtures financial growth.
(412) 822-3185 548 miles Lender's profile and map Reviews VA Pittsburgh Employees FCU Mobile 1010 Delafield Road, Pittsburgh, PA, 15215 The VA Pittsburgh Employees FCU was established in 1954 as a not-for-profit or charity organization. We stand for the service, mutual financial well-being and opportunity for our members. Today our mission statement remains the same and our vision is to strive to be our members' institution of choice for comprehensive financial services.
(605) 983-5594 548 miles Lender's profile and map Reviews Citizens State Bank, of Arlington 128 Main St, Arlington, SD, 57212 Founded in 1901, Citizens State Bank is a community bank committed to offering useful financial products and standout customer service. We are dedicated to providing banking solutions that will make you glad that you chose our Bank. With over 100 years of service to our community, the Citizens State Bank is your hometown bank.
(724) 794-6292 548 miles Lender's profile and map Reviews SRU FEDERAL CREDIT UNION 100 Arrowhead Drive, Slippery Rock, PA, 16057 SRU Federal Credit Union is committed to providing exceptional, personalized service and promoting sound financial practices while maintaining a secure and stable environment for the economic well-being of our members. SRU Federal Credit Union began in 1958 as the Slippery Rock State Teachers College Federal Credit Union.
(800) 622-5305 548 miles Lender's profile and map Reviews Carolinas Telco Federal Credit Union 2821 Crisman Street, Charlotte, NC, 28208 Carolinas Telco Federal Credit Union (CTFCU) has been serving members across the Carolinas since 1934. We offer credit union services to the following groups: Those employed with or retired from one of our current preferred business partners. Members of the NC Consumers Council (NCCC) or other approved association.
(704) 392-3418 548 miles Lender's profile and map Reviews Nova Credit Union 3601 Mulberry Church Rd, Charlotte, NC, 28208 Nova Credit Union provides low cost personal financial services including Secure Checking, mobile banking (eBranch), auto loans, home loans and savings & investment accounts. Members may access their accounts at and 30, 000 ATMs and 5, 000 branches in the USA through the Shared CO-OP Network and five local branches in NC.
214-542-1515 548 miles Lender's profile and map Reviews Longhorn Investments 17103 Preston Road Suite 250, Dallas, TX, 75248 Longhorn Investments was formed in 2008 and is a direct private lender offering short term acquisition and renovation capital to real estate investors for both residential and commercial assets. We operate in major metropolitan areas throughout TX, IN, AL, AR, NM, GA, MO, OH, TN, and NC.
8179669495 548 miles Lender's profile and map Reviews First Fusion Capital 15915 Coolwood DR, Suite 2055, Suite 2055, Dallas, TX, 75248 We’ve over 150 lenders in our p Businesses have access to loans from $10k-$5 Million. With no minimum FICO score and a simple application, you can have funds in your business bank account in as little as 24 hours. “When the Bank says NO, we say YES” https://firstfusioncapitalfunding.com/
(972) 715-4444 548 miles Lender's profile and map Reviews Prestige Community Credit Union 15203 Knoll Trail, Suite 101, Dallas, TX, 75248 Prestige is a member owned, non-profit community based financial co-operative. Our sole purpose is to provide our members with safe, low-cost financial solutions such as loans, savings and checking & also For over 80 years Prestige Community Credit Union has been dedicated to offering our members some of the best savings, checking and loan programs
(972) 720-9000 548 miles Lender's profile and map Reviews T Bank, National Association 16200 Dallas Pkwy, Suite 190, Dallas, TX, 75248 T Bank, National Association We believe in what you do, and we are committed to helping you grow your small business into a lasting establishment. Our seasoned bankers have decades of experience in small business lending and will effectively communicate and guide you to reach your short and long-term goals.
(800) 901-0203 548 miles Lender's profile and map Reviews Reliant Mortgage Ltd 16950 Dallas Parkway, Suite 105, Dallas, TX, 75248 Reliant Mortgage LTD, where we specialize in residential mortgages. At Reliant Mortgage LTD, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.