USDA and FHA Pro and Con in Riverton, Sangamon County, IL
In the year 2025, the USDA loan limit set for Riverton, located in the county of Sangamon, IL, stands at $336,500. Meanwhile, the FHA limit for a single-family dwelling reaches $472,030.
Use the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today. This tool aids in understanding the income, credit, reserves, and documentation necessary to qualify. Our enhanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, guiding you to choose the best program in that aligns with your financial circumstances.
2025 Loan Limits and Down Payment Requirements in Riverton, County of Sangamon, IL
Type of Loan
Loan Cap
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Riverton, IL
Lendersa® is dedicated to swiftly securing the most favorable USDA or FHA loan available, aiming for a streamlined and hassle-free experience. Begin with any of three available paths to connect with lenders and explore USDA loan opportunities.
A USDA home loan, endorsed by the government through the Department of Agriculture, is sometimes referred to as a USDA rural development loan or USDA mortgage. It is specifically available for rural areas. FHA loans, in contrast, require a minimal down payment of 3.5%, whereas the USDA mortgage allows for a no-down-payment structure.
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