USDA Vs. FHA your options comparison in Pontiac, Livingston County, IL
As of 2025, in Pontiac, located in Livingston, IL, the USDA loan ceiling is $336,500. On the other hand, the FHA loan limit for a single-family home is set at $472,030. This difference highlights the range of lending capacities available for diverse loan types, specifically tailored to varied geographical locations.
Utilize the Lendersa® USDA loan calculator for a detailed comparison between today's USDA and FHA premium rates. Determine the necessary income level, credit score, financial reserves, and documentation required to qualify for these loans efficiently. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the most suitable mortgage solution for your specific financial circumstances in .
Comprehensive Overview of 2025 Loan Limits and Downpayment Details in Pontiac, Livingston, IL
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Pontiac, IL
The mission of Lendersa® is to swiftly and effectively secure the best USDA or FHA loan for you, minimizing the hassle involved. Initiate your journey by selecting from one of our three pathways, which result in suitable lenders and comprehensive USDA loan programs that best align with your needs.
The USDA home loan, endorsed by the U.S. Department of Agriculture, often termed as a USDA rural development loan or USDA mortgage, is designated exclusively for rural locales. This loan is distinct from FHA loans, which mandate a minimum 3.5% down payment—whereas the USDA mortgage requires no down payment, providing a notable financial advantage to qualified applicants within eligible areas.
Sentinel Mortgage is a Texas company that prides itself on getting YOU the best deal. We also understand that clients and realtors expect clear communication and availability in order to navigate the ever-changing mortgage waters. So don't waste time with a Big Bank that will take 2 months to close you and charge you handsomely for the privilege
We have been in the real estate/mortgage industry for 33 years. I can help direct you on the best plan for you with your current financial status mixed with your future plans. We offer different financial solutions and sometimes can even help you if you were turned down from a different company. Don't go home shopping without knowing.
Essex Savings Bank is a FDIC insured, state chartered, mutual savings bank established in 1851. The Bank serves the Connecticut River Valley and shoreline with six offices in Essex (2), Chester, Madison, Old Lyme and Old Saybrook providing a full complement of personal and business banking. Financial, estate, insurance
"We encourage people to call with any questions they may have about the mortgage or home buying process. We gladly give free consultations and pre-qualifications. We believe it is very important for borrowers to understand the entire mortgage process.
We are open Monday through Friday, and Saturday and Sunday by appointment."
575 Underhill Blvd, Suite 216, Southold, NY, 11971
Original Funding is not a lender. We provide a service to prospective borrowers wherein we submit their secure application information to our network of lenders. We do not collect a fee from the applicants. Our mission is to match prospective borrowers with our preferred network of lenders. There is no guarantee that your application
1637 Race Track Rd, Suite 127A, Saint Johns, FL, 32259
Our technology-driven platform is changing the face of the mortgage industry. Between our 13 day app to clear to close timeline (which is a full MONTH faster than the industry average), our unmatched level of communication and transparency, our custom built CRM and Loan Origination Platform, we’re making a splash.
360 Town Plaza Avenue, Suite 340, Ponte Vedra, FL, 32081
First Coast Mortgage Funding, we are committed to helping those in the Jacksonville, FL community purchase and refinance residential properties. If you or someone you know is looking to purchase or refinance a primary residence, vacation home, or investment property, we’re here to assist. From single-family and multi-family homes.
90 FORT WADE ROAD, SUITE 175, Ponte Vedra, FL, 32081
Atlantic Trust Mortgage was founded in 2003 when Scott Goldstein, with many years of experience in the mortgage industry, acted on his vision of owning and operating his own mortgage company. It has proven to be a successful and rewarding venture, as his steadfast and dedicated style of providing the best service possible.
Our mission is to serve our customers with honesty, integrity and competence.Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Specialties in-Conventional Lending, FHA Loans,Self-Employment Mortgage Loans, VA Loans,Commercial Lending, Hard Money Lending,Mortgage Lending.
Triumph Lending, a division of Network Funding, L.P., was created in 1998 as a Texas-based wholesale mortgage lender, but quickly evolved into a hybrid retail mortgage origination company. Network Funding L.P.’s emphasis is to create an entrepreneurial environment.which attracts highly motivated, professional loan origination personnel.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
