USDA and FHA Pro and Con in Rochester, Sangamon County, IL
In 2025, the loan limit for a USDA loan in Rochester, located in Sangamon county, IL, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, assessing income, credit, reserves, and the necessary documents for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program in for your financial situation.
2025 Loan Limits and Downpayment Requirements in Rochester, Sangamon County, 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 Rochester, IL
Lendersa® aims to secure you the ideal USDA or FHA loan quickly and smoothly. Choose one of three starting points that will lead you to compatible lenders and USDA loan offerings.
The USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. While FHA loans require a minimum of 3.5% down payment, USDA loans do not require any down payment.
Charleston Postal Federal Credit Union has been open since 1993. The credit union has assets totaling $4.65 Million and provides banking services to more than 800 members as of March 2022.
The credit union is a not-for-profit, member-owned financial cooperative providing services to government employee members.
At 21st Century Bank, we are many things. We are a family-owned since 1917. We are a Top 10 Minnesota SBA preferred lender. We hold more than $600 million in assets. But above it all, we are here for you.
Focused On You
Whether you’re an individual looking to open a checking and saving account, or you need robust accounting services to suppo
FirstEnergy Family Credit Union (FEFCU) has been open since 1936. The credit union has assets totaling $47.01 Million and provides banking services to more than 4, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans,
Social Mortgage began with the belief that surrounding yourself with good company matters. Our founders understood this and require each team member to live by one simple philosophy…Do Good for our Clients and Community. Not only do we bring competitive rates and pricing, but we also bring care, understanding,
2019 Center Street, Suite 103, Cleveland, OH, 44113
Our mission is simple: to find the best mortgage for you. The one that suits your specific needs and fits your particular situation. Whether you’re purchasing a home or refinancing one you already own, we’re dedicated to finding the mortgage that will work for you. And we take pride in being a mortgage broker and NOT a lender.
The primary mission of Bruning Bank is to assist clients to Build and Maintain Wealth. Our vision is to help customers Build, Grow, and Thrive by: Building relationships with customers based on integrity and mutual responsibility in order to help them achieve financial success. Contributing to our communities through philanthropy and service.
Thumb Bank & Trust has been providing customers with fast, efficient, outstanding service for over one hundred years. Whether we are the new face in your town or an old friend you can count on, know that we believe in building for the future. At Thumb Bank & Trust we actively participate in the communities we serve and strive to meet the challenges
This bank is dedicated to providing superior customer service. The Minnesota Lakes Bank ownership prides itself on being industry-leading. We embrace new technology and delivery methods, and we are excited to bring our more than 100 years of banking experience to bear in new markets where we have a connection and history.
13750 Crosstown Drive NW, Suite 200, Minneapolis, MN, 55304
The Quality Choice Mortgage LLC team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
