USDA Loan Vs. FHA loan for Smithton, IL [St. Clair County ]

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 for your financial scenario.

USDA and FHA Loan Opportunities in Smithton, IL

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.

Lendersa USDA loan request and matching outcomes

Understanding the USDA Loan in IL

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.

Get top 10
USDA LENDERS
customized to yout needes

(325) 347-5911 Lender's profile and map Reviews Mason Bank 111 Westmoreland Street, Mason, TX, 76856 Established in 1904, we at Mason Bank are working on our Second Century of Service! Our friendly and experienced staff will be happy to serve all your financial needs. Please stop by often and watch our internet presence grow. We offer a variety of time frames. A $2,500.00 minimum amount is required for certificates.
(252) 793-7000 Lender's profile and map Reviews Weyco Community Credit Union 316 NC Highway 149 N, Plymouth, NC, 27962 At Weyco Community Credit Union is to improve the standard of living and the financial well-being of our members. We have proudly been serving our members in Plymouth, North Carolina, and the surrounding communities since 1959. As a member of WCCU, you are part owner, and you have a say in how we operate.
(352) 381-5200 Lender's profile and map Reviews Radiant Credit Union 405 SE 2nd Place, Gainesville, FL, 32601 We're a credit union, a not-for-profit financial institution proudly serving our community and members for over 60 years. Our members aren’t just customers, they’re owners. This means when you join Radiant Credit Union, you get a voice in how we do business. As a not-for-profit cooperative, we return our profits to our member-owners.
(970) 867-3319 Lender's profile and map Reviews FMS Bank 520 Sherman, Fort Morgan, CO, 80701 FMS Bank is a community Bank in every sense of the term: homegrown, locally owned and operated, and committed to our fellow neighbors. In fact, we’re more than just a community Bank, we’re a Bank built on community. All financial decisions happen right here, assuring you of fast turnarounds, responsive service
(512) 396-1121 Lender's profile and map Reviews Blue Sky Mortgage Company 2700 Hunter Rd, Suite B, San Marcos, TX, 78666 Blue Sky Mortgage Company our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
(800) 724-9282 Lender's profile and map Reviews Reliant Community Federal Credit Union 10 Benton Pl., Sodus, NY, 14551 Reliant Credit Union is a member-owned and member-driven full-service financial institution with nine branches across Monroe, Ontario, & Wayne Counties in New York. We're committed to making a difference in the communities we serve by improving our members' financial lives and exemplifying the credit union philosophy of "people helping people
(570) 888-7135 Lender's profile and map Reviews Guthrie Community Credit Union 104 N Elmer Avenue, Sayre, PA, 18840 Guthrie Community Credit Union is a member-owned, not-for-profit financial cooperative. GCCU is federally insured by NCUA and an Equal Housing Lender Guthrie Community Credit Union is a full-service financial institution based in Sayre, PA.Our Mission is to provide members with the highest quality financial services.
(757) 686-3051 Lender's profile and map Reviews PFD Firefighters' Credit Union, Inc 3209 Cedar Lane, Portsmouth, VA, 23703 PFD Firefighter's Credit Union, Inc. is a member-owned financial institution. We exist to provide a wide range of quality services based on member needs. Our intent is to encourage savings and provide loans in a personal and professional manner while ensuring sound financial management to safeguard member assets.
(904) 478-8957 Lender's profile and map Reviews fiber.mortgage 1637 Race Track Rd, Suite 127A, Saint Johns, FL, 32259 Our technology-driven platform is changing the face of the mortgage industry. Between our 13 day app to clear to close timeline (which is a full MONTH faster than the industry average), our unmatched level of communication and transparency, our custom built CRM and Loan Origination Platform, we’re making a splash.
(910) 708-1404 Lender's profile and map Reviews Millenia Mortgage 3100 Freedom Way, Hubert, NC, 28539 Millenia Mortgage was originally established January 1, 2000. As you are aware, there are many mortgage companies and banks that offer low rates and fees but not many people understand why there is a fluctuation in costs associated with doing a loan if all programs and guidelines are standard to the industry.
(575) 374-8301 Lender's profile and map Reviews Farmers & Stockmens Bank 22 Maple Street, Clayton, NM, 88415 Since our inception in 1920, the generations of service providers with Farmers & Stockmens Bank have shared the goal of offering our customers the most up-to-date products and services, competitive rates, and sensible terms to help them reach their financial goals. Whether you are buying a CD, buying a house, funding 4-H projects, or funding a cons
(806) 385-7511 Lender's profile and map Reviews First Federal Bank Littlefield, Texas 2313 Phelps Ave., Littlefield, TX, 79339 First Federal Bank was founded in 1946 with $10,000 in capital as a mutual savings association known as Littlefield Federal Savings and Loan. In 1998, the association converted to a state mutual bank and became First Federal Bank Littlefield, Texas. The vision of First Federal Bank is to customize financial support for every customer.