USDA Vs. FHA your options comparison in Scott-AFB, St. Clair County, IL

In 2024, USDA loan limit in Scott-AFB, 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.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Scott-AFB, county of St. Clair, IL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Scott-AFB, 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?



  • Lucrative Home Loans Inc
  • 2490 Walton Boulevard, Suite 101, Rochester, MI, 48309
  • Lucrative Home Loans, Inc. understands that buying a home is more than just a transaction: it’s a life-changing experience. We are committed to getting every client the very best rate and loan every single time. Becoming a one-stop-shop and personalized service for our clients’ convenience, was essential to our many years of success.
  • Gem Home Loans LLC
  • 1675 West Hamlin Road, Rochester, MI, 48309
  • Gem Home Loans is a client-focused lender made up of experienced professionals. We have made the choice to step away from the impersonal big-box banks and in your face marketing machines. We prefer working one-on-one with clients in building customized financial solutions. The person you contact will be the person who you work with throughout.
  • Arcade Credit Union
  • 151 Patton Avenue, Suite 280, Asheville, NC, 28801
  • Arcade Credit Union is a non-profit financial cooperative that is owned by its members. We were chartered in 1952 and serve the employees and retirees of the Federal Building and the Federal Courthouse Building. We also serve multiple companies. All members’ immediate families are also eligible for membership.
  • ALFIE
  • 19 Arlington Street, Asheville, NC, 28801
  • ALFIE is a real estate collateral-based lender specializing in creative solutions for individuals looking to purchase or refinance a variety of real estate investments. At ALFIE, we recognize that traditional financing isn't always an option or may not be the right fit for your needs.
  • HomeTrust Bank
  • 10 Woodfin Street, Asheville, NC, 28801
  • HomeTrust is a regional community bank, focused on the areas we serve by providing better financial services and community support. We have more than 40 banking locations across North Carolina, Upstate South Carolina, East Tennessee and Southwest Virginia, as well as banking through online and mobile channels.
  • Plum Dog Financial LLC
  • 218 Patton Avenue, Asheville, NC, 28801
  • PlumDog, we believe the most important decision a client makes is choosing the right mortgage company to assure the best possible results for their investment. When dealing with your largest asset and greatest liability, one quickly understands the need for personalized lending assistance.
  • Lucid Lending
  • 47 Orange Street, Suite B, Asheville, NC, 28801
  • At Lucid Lending we look forward to matching you with the best mortgage program to fit your needs. We know everyone has a different situation, some are more unique that others, and it is important that you work with someone that has the knowledge and experience of the constantly changing mortgage industry.
  • Dow Chemical Employees' Credit Union
  • 600 E Lyon Road, Midland, MI, 48640
  • Dow Chemical Employees’ Credit Union was the 182nd credit union organized in the State of Michigan. In 1937, the country was still in the throes of a severe economic depression that underscored the need for a workable financial plan to enable Dow employees to save for emergencies and obtain convenient, low-cost credit.
  • MilMar Financial LLC
  • 6535 Rochester Road, Suite 104, Troy, MI, 48085
  • MilMar Financial is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.