For 2025, in the county of St. Clair, situated in Smithton, IL, the USDA loan cap is $336,500, whereas the FHA cap for a single-family residence is $472,030.
Leverage the Lendersa® USDA loan calculator to scrutinize today's leading USDA and FHA rates, determining the income, credit, reserves, and required documents necessary for eligibility. By using our detailed mortgage calculator, you can analyze various loans including USDA, FHA, Conforming, and VA simultaneously, empowering you to choose the best option in
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| Loan Type | Loan Ceiling | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our focus is on facilitating expedient access to optimal USDA or FHA loans without the hassle. Begin with one of three pathways that help connect you with relevant lenders and suitable USDA loan offerings.
A USDA home loan, backed by the U.S. Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is designated for homes in rural areas. While FHA loans require a minimum down payment of 3.5%, USDA loans do not need any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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