For 2025, in Shiloh, St. Clair County, IL, the USDA loan limit is $336,500. In contrast, the FHA loan limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the top USDA vs FHA rates available today. Determine the necessary income, credit score, reserves, and documents needed to qualify. The advanced mortgage calculator provides a comparison of USDA, FHA, Conforming, and VA loans side by side, helping you choose the most suitable program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to secure you the best available USDA or FHA loan quickly and efficiently. You can begin with one of three options that lead to matching lenders and the optimal USDA loan programs.
A USDA home loan is supported by the government's Department of Agriculture, known as a USDA rural development loan or USDA mortgage. This type of financing is exclusively available in rural zones. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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