USDA Loan Vs. FHA loan for Shiloh, IL 2025

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 .

USDA and FHA Loan Options in Shiloh, IL

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.

Overview of Lendersa's USDA loan request and matching outcomes

What Is a USDA Loan in IL?

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.

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(618) 826-5038 Lender's profile and map Reviews Chester National Bank 1112 State St., Chester, IL, 62233 Chester National Bank is located approximately 60 miles south of St. Louis, Missouri on the Mississippi River with its Main Office located in Chester, Illinois, "The Home of Popeye". Originally organized in 1919, Chester National Bank conducts business from the main office in Chester, IL with two full service offices.
(618) 357-9393 Lender's profile and map Reviews First National Bank in Pinckneyville 210 S. Main St., Pinckneyville, IL, 62274 From its beginning in 1901, First National Bank in Pinckneyville has grown to be one of the largest financial institutions in Perry County. We are a privately-owned, locally-operated bank with assets of more than $100 million. At FNB, we take great pride in giving back to the community by supporting myriad groups.
(618) 357-5373 Lender's profile and map Reviews Murphy-Wall State Bank & Trust Company 105 E Water Street, Pinckneyville, IL, 62274 Murphy-Wall State Bank is here to provide quality bank services to our service area, & to provide a fair return to our shareholders. We will be responsible citizens & will participate in community activities, both by making contributions to worthwhile causes and by contributing our time as individuals. Our customers are our most important assets.
(618) 533-6681 Lender's profile and map Reviews Kaskaskia Valley Credit Union 401 S Poplar Street, Centralia, IL, 62801 Kaskaskia Valley Community Credit Union is a non-profit financial cooperative organized solely to meet the needs of its membership. Chartered in 1982 as Centralia Correctional Center Credit Union, KVCCU has grown from 19 members to more than 3,900 members! We now help people like you manage more than $21,000,000 in assets.
(636) 728-3333 Lender's profile and map Reviews First Community Credit Union. 17151 Chesterfield Airport Road, Chesterfield, MO, 63005 First Community is a cooperative, owned and operated by its members. We are a $3 billion financial institution with over 350, 000 members, serving all of St. Louis County, St. Louis City, Franklin County, Jefferson County, St. Charles County, Warren County, and the Illinois counties of Madison, Monroe and St. Clair.
(636) 537-1005 Lender's profile and map Reviews Groundwork Mortgage 643 Cepi Drive, Chesterfield, MO, 63005 Groundwork Mortgage (NMLS #1211416, Missouri No. 15-2198, Illinois MB.6761278), an equal housing residential mortgage company, delivers best-in-class mortgage services to qualified borrowers. Groundwork Mortgage’s new home purchase focus and expertise differentiates it in the crowded mortgage lending market,
(800) 581-2065 Lender's profile and map Reviews ELending Group LLC 700 Spirit Of St. Louis Boulevard, Unit E, Chesterfield, MO, 63005 ELending Group LLC, professional mortgage company specializing in residential mortgages. At ELending Group LLC, we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled loan consultants. We have relationships with many lenders.
(636) 898-0888 Lender's profile and map Reviews Frontier Mortgage 16647 Chesterfield Grove Rd, Suite 100, Chesterfield, MO, 63005 Frontier Mortgage proudly serves Missouri and Illinois with full service Mortgage Loan expertise. "It's not a great rate without great service. We are a full service mortgage banker who underwrites and funds nearly all of the mortgages we originate. Our friendly loan officers are here to assist you with your mortgage needs.
636-579-0582 Lender's profile and map Reviews Senior Commercial Capital 100 Chesterfield Business Pkwy, 2nd Floor, Chesterfield, MO, 63005 We are one of the most resourceful and dedicated team of commercial real estate mortgage professionals in the industry. We are a client-driven commercial real estate finance firm serving borrowers of real estate capital. We offer all types of debt and equity financing for income producing properties.
(314) 298-0055 Lender's profile and map Reviews Vantage Credit Union 19 Missouri Research Park Ct, Saint Charles, MO, 63304 Vantage Credit Union is a leading, full-service financial institution that’s owned and guided by our St. Louis-based member-owners—people just like you—and not by stockholders like at a publicly-traded bank. Because we’re a not-for-profit financial institution, our member-owners enjoy better rates, lower fees and superior service.
(314) 264-5325 Lender's profile and map Reviews Mortgage Solutions, LLC 19 Research Park Court, Saint Charles, MO, 63304 With over seven decades of experience working with borrowers in a variety of situations, Mortgage Solutions, LLC has set the standard for trust, honesty, and integrity. Whether you're looking to refinance an existing home, purchase a new one, or lower some of your high interest obligations,
(636) 498-4301 Lender's profile and map Reviews Equity Prime Mortgage Missouri 6036 Weldon Spring Pkwy, Weldon Spring, MO, 63304 Equity Prime Mortgage LLC is a licensed mortgage lender whose operations extend across the country. We provide a variety of mortgage products to assist you with finding solutions to all of your mortgage needs. Our company has Certified Underwriters on staff which allows issuing a decision on your application quickly.