USDA Vs. FHA your options comparison in St.-Joseph, Champaign County, IL
In 2025, the USDA loan limit for St.-Joseph in Champaign county, IL is $285,000, while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare the leading USDA vs. FHA rates available today. This tool helps evaluate the necessary income, credit, reserves, and documentation for qualification. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA options together, aiding your decision on the most suitable program in for your financial situation.
2025 Loan Limits and Down Payment Requirements in St.-Joseph, Champaign, IL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Options in St.-Joseph, IL
The aim of Lendersa® is to swiftly secure the best USDA or FHA loan available, without hassle. Choose one of three pathways, leading you to compatible lenders and suitable USDA loan options.
A USDA home loan, supported by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is exclusively offered for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment, making them more accessible for eligible rural applicants.
Catlin Capital's Loan Officers are entrusted with your very personal financial information and we secure our clients' data and information fully. We understand that securing the right mortgage is an essential part of achieving your financial dreams and goals. At Catlin Capital, we consider ourselves "stewards of wealth
We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.
First Choice Mortgage Co. is a locally owned company that is centrally located on Spokane's South Hill. We have been one of the leading independent mortgage companies in all of WA & ID for the past seventeen years. First Choice Mortgage has been known for being innovative, honest, & for delivering service above & beyond our customer's expectations.
2607 S Southeast Blvd, STE A100, Spokane, WA, 99223
Inland Capital is a leading private money lender to Pacific Northwest real estate investors. Our desire is that Inland Capital’s quick and efficient financing will support the ongoing and future success of our clients. Whether you are a tycoon of rental properties, an experienced contractor,our aim is to help you be successful.
202 E. Spokane Falls Boulevard, Suite 500, Spokane, WA, 99202
RiverBank is a community business bank devoted to creating long-term client relationships by delivering high quality, digitally focused and competitively priced products & services to small businesses, professionals & private banking clients. We are located in the downtown Spokane University District & serve the greater Eastern Washington market.
Progressions Credit Union, formerly known as Spokane Postal Credit Union (SPCU), was organized in 1928. It was led by Paul Boberg, a Special Delivery Clerk at the Main Post Office in Spokane, WA. The credit union officially became state chartered on 11/27/1933 after the state had passed the state credit union law.
Avista Corp. Credit Union has been around since 1934. The Credit Union was formed to provide rates of interest for savings accounts and low rates on loan products. We are a nonprofit entity overseen by a 12 member Board of Directors made up of current employee’s and retirees. The Credit Union’s sole purpose is to make our members' financial situati
We've had the pleasure of serving you as K Loans since 2013, and we're looking forward to continue helping you achieve your home goals as Modus Mortgage (NMLS# 1028232). Don't worry though, only the name is changing. Whether you're buying or refinancing your home, need a pre-approval letter or have questions about the home loan process.
At Safeway FCU, we are a place where family and financials intersect. We strive to be a familiar and safe establishment for you to invest, borrow, and grow. Bring the family and let’s get started Safeway Federal Credit Union exists solely for the benefit of our member/owners.
• To continue building long-term value for our members through capital
When you contact Brazington Mortgage, LLC you get to deal with the owner directly. Stan Brazington will act as your loan officer, loan processor. underwriter and funder. Stan has in excess of 39 years experience underwriting and funding private money loans. Brazington Mortgage LLC specializes in Private Money, great service, low closing costs.
