USDA VS FHA in Scott-AFB, St. Clair County, IL

In 2025, the USDA loan limit for Scott-AFB, located in St. Clair, IL, is $285,000. The FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to assess today's best USDA vs. FHA rates, evaluating the income, credit, reserves, and documents necessary to qualify. With our sophisticated mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side to decide which is optimal for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Scott-AFB, St. Clair County, IL

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

Explore USDA and FHA Loan Options in Scott-AFB, IL

Lendersa® aims to deliver the best USDA or FHA loan quickly and without hassle. Choose from three starting points to match lenders and discover USDA loan options.

Lendersa USDA loan request results

Understanding USDA Loans in IL

A USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as a rural development loan, is exclusively available in rural areas. Unlike FHA loans that require a 3.5% down payment, USDA loans need no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Reduced Fee Mortgage Inc
  • 19950 Dodd Boulevard, Suite 102, Lakeville, MN, 55044
  • Arik Orosz has been at the top tier of the mortgage industry since 2003 and has been managing in the mortgage industry since 2004, until starting Reduced Fee Mortgage, Inc. A Mortgage company centered around finding you the best deal by shopping your loan to more than 30 different lenders.
  • Bank of Dixon County
  • 117 East Third Street, Ponca, NE, 68770
  • Bank of Dixon County We have one goal and that is to help you be financially successful. Our approach to business and community banking is simple. We can not be successful if our customers are not successful. Yes, that is different than many financial institutions. But we have been here since 1881, and we plan to serve.
  • Dante Rosa Home Loans LLC
  • 8155 Annsbury Drive, Suite 102, Shelby Township, MI, 48316
  • For over 25 years, we have been helping families across Michigan achieve their dream of home ownership We specialize in a variety of home loans, including Conventional, FHA, more loan products.Dante Rosa Home Loans, LLC is here for your home loan and mortgage needs, whether it be purchasing the home of your dreams.
  • Sound Home Mortgage Inc
  • 6441 Thorneycroft Drive, Shelby Township, MI, 48316
  • Our mission is to provide every home buyer with competitively priced residential mortgage financing. As a mortgage industry leader, we are committed to customizing your home loan so you and your family can enjoy the personal benefits of homeownership. As a responsible lending leader.
  • Capital Lending, Inc.
  • 7875 24 Mile Road, Suite 200, Shelby Twp, MI, 48316
  • Capital Lending Inc is a state wide mortgage lender. Loan closing agents that cover every city in City and County. Keep in mind, we offer the lowest mortgage interest rates available. Low closing costs if you have Excellent credit or even if you are a first time home buyer. We are always available to help.
  • Peoples Bank
  • 1701 S Main Ave, Sioux Center, IA, 51250
  • Peoples Bank is a locally owned, full service community bank that serves Northwest Iowa and Southwest Minnesota. With offices in Rock Valley, Lester, Sioux Center, Akron, Sheldon, Hawarden, Hinton, Sioux City, IA, and Jasper, MN, we are equipped to serve our customers in their very own community.
  • American State Bank
  • 525 N Main Ave, Sioux Center, IA, 51250
  • At American State Bank, we are committed to the accomplishment of our mission, adherence to our values, and the belief that employees are our number one resource. We expect all employees to support and commit to our values and behavioral expectations. We currently have 9 locations, Sioux Center Downtown Campus, Alton, Alvord, Granville, Hospers.
  • Magnolia State Bank
  • 28 Hwy 528, Bay Springs, MS, 39422
  • Magnolia State Bank offers its customers full-service banking delivered through a variety of methods and by offering many accounts and services options. For branch, drive thru and ATM locations and times of service, see the Locations tab. We invite you to explore this website for detailed information concerning our many products and services.
  • United Prairie Bank
  • 1141 3rd Ave, Mountain Lake, MN, 56159
  • United Prairie was founded in 1973 when James G. Sneer purchased Farmers State Bank of Mountain Lake, also the community he called home. As the years passed and the bank thrived, Mr. Sneer began acquiring other banks and insurance agency offices to build the organization now known as United Prairie