USDA Vs. FHA your options comparison in Springfield, Sangamon County, IL
For the year 2025, the maximum USDA loan limit in Springfield, located within the county of Sangamon, IL, is set at $336,500, whereas the FHA limit for a single-family house is $472,030.
Employ the Lendersa® USDA loan calculator to effectively compare today's top USDA versus FHA rates. It helps determine the income, credit, reserves, and documentation you need to qualify. Our sophisticated mortgage calculator presents the USDA, FHA, Conforming, and VA programs side by side, to aid you in selecting the most suitable option for your specific financial scenario in .
2025 Loan Limits and Down Payment Needs in Springfield, Sangamon County, IL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Springfield, IL
Lendersa® is committed to providing you with the best USDA or FHA loan swiftly and without hassle. Choose from three starting points to find matching lenders and USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture, also known as the USDA rural development loan, is available only in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not demand any down payment, making them an attractive choice for qualifying buyers.
We are proud to be invested in a community, invested in us! As your local community bank, we work hard to provide products and services that help our community thrive. As your trusted local bank, we are committed to giving back. For over 95 years, CSB has been dedicated to providing the best hometown financial support serving three counties
Tioga State Bank has been providing loans to business customers and forming long lasting relationships for over 150 years. We believe it’s in your best interest to have a working relationship with a local banker; one that takes time to learn your business. We know what it takes for a business to get started and to succeed. As local bankers, we know
Dalhart Federal Savings & Loan, chartered in 1934, is located in a rural farming community. In 1975 the Board of Directors decided to expand outside of Dalhart and opened a branch in Dumas. The philosophy of our founding members was to serve the local community mainly through mortgage lending. Although this philosophy is still true today, modern ti
We are experts in locating the loan that fits your individual circumstances. We have extensive experience in financing manufactured and mobile homes since 1994. We pride ourselves upon finding the best loan for you in the shortest possible time, plus making the experience as hassle-free as possible.
Highway Federal Credit Union. Although our services are similar to a bank, our philosophy is quite different. As a member-owned, non-profit financial institution, our credit union is run strictly for the benefit of our members. We strive to provide members with higher yields on savings and lower rates on loans.
Firehouse Mortgage became a reality for Rachel and Aaron in 2018. They wanted to give their clients a better option for their home mortgage. After gaining valuable knowledge in the mortgage industry, they decided to start their own company. The Clarks treat every client like they are family and ensure they are happy with their home purchase.
18525 West Lake Houston Parkway, Suite 105, Humble, TX, 77346
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Southeastern Bank, established in 1888, has a long history of serving its customers and communities. From deposit accounts and loans to investments and more, Southeastern Bank has the financial products you need most. Southeastern Bank has 10 locations throughout coastal Georgia and northeast Florida.
Woodforest National Bank® has successfully stood among the strongest community banks in the nation, proudly offering unsurpassed quality customer service since 1980. Woodforest National Bank offers both consumer and business products and services at more than 740 branches in 17 states across the United States.
Whitehall Mortgage has been providing Residential Home Mortgage Loans throughout the Commonwealth of Pennsylvania for over three decades. The father and son duo, Douglas and Dallas, use their Northeasten PA roots and knowledge to best serve this area with the best mortgage service.
World Trade Mortgage is a Pennsylvania Mortgage Broker located in Chester County. Our Senior Management has over 20 years of experience in the mortgage industry and related financial fields. Since inception we have focused on building our business one mortgage at a time. We value each and every customer
United Financial Insurance Group, LLC. is a national real estate capital services company and an originator of commercial real estate debt and equity transactions. We combine in-depth market expertise, passion for our work, and a willingness to break new ground to provide our clients with the ultimate customer experience.
