USDA Vs. FHA Pro and Con comparison in Swansea, St. Clair County, IL

In 2025, the USDA loan upper limit in Swansea within St. Clair county, IL, is $336,500. Meanwhile, the FHA limit for a single-family home is set at $472,030.

Use the Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today and determine the income, credit, reserves, and documentation required for qualification. With our advanced mortgage tool, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in picking the best plan for your financial situation in .

Compare loan offers from 100 lenders

2025 Loan Caps and Downpayment Details in Swansea, St. Clair, IL

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Solutions in Swansea, IL

The primary aim of Lendersa® is to swiftly offer you the most favorable USDA or FHA loan options without hassle. Pick one of three starting points to match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan is a government-backed loan through the Department of Agriculture, known as a USDA rural development loan or mortgage, and is exclusively for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage loan requires no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • NATIONS LENDING
  • 37 NORTH ORANGE AVE, SUITE 500, ORLANDO, FL, 32801
  • Founded in 2003, Nations Lending has a long history of helping families achieve their dream of homeownership. We take great pride in not just closing a loan, but finding a custom tailored financial solution for each client we interact with. We look at each customers needs objectively, and we recognize that the needs of each client may be different.
  • Spectrum Global Financial
  • 845 N Garland Ave. Suite 215, Orlando, FL, 32801
  • Spectrum Global Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders
  • FBC Mortgage, LLC
  • 189 South Orange Ave., Suite 970, Orlando, FL, 32801
  • FBC Mortgage, LLC is a Top 20 National Mortgage Lender headquartered in Orlando, Florida. FBC is licensed in 47 states and has over 81 branches and 750 employees nationwide. FBC specializes in residential mortgage lending through our retail and wholesale/correspondent channels, and offers purchase, refinance, construction, and renovation loans
  • GDM Mortgage Corp
  • 100 E Pine St Suite 110, Orlando, FL, 32801
  • We understand that each client is unique with different needs.Therefore we offer many programs from Conventional, FHA, VA, USDA, to Bank Statements, & Investor Quick Fix and Flip loans.All designed for a successful approval and closing. We work directly with wholesale lenders which offers us low wholesale rates passed directly to the client.
  • Florida Home Funding
  • 390 N Orange Ave #2125, Orlando, FL, 32801
  • Florida Home Funding, an Orlando Florida mortgage broker, we have the experience, financial strength, and personalized service you can count on. As a client of Florida Home Funding, you will benefit from the personal attention and experience of our licensed mortgage professionals coupled with our wide range of competitive mortgage products.
  • Synergy Mortgage
  • 41 South Street, Suite A, Warwick, NY, 10990
  • Our mission is to provide our clients sound advice together with true value. We also put a lot of emphasis on keeping our clients informed throughout the process, connecting you to a team of people to handle your file (you won't be bounced all over, repeating the same things again and again). It's actually going to be an enjoyable.
  • K Hovnanian American Mortgage
  • 90 Matawan Rd, Matawan, NJ, 07747
  • Hovnanian Enterprises, Inc., founded in 1959 by Kevork S. Hovnanian, is headquartered in Red Bank, New Jersey. The Company is one of the nation’s largest homebuilders with operations in Arizona, California, Delaware, Florida, Georgia, Illinois, Maryland, New Jersey, Ohio, Pennsylvania, South Carolina, Texas, Virginia, etc..
  • Lion Mortgage
  • 306 Avenel St., Avenel,, NJ, 7001
  • Lion Mortgage is a privately held New Jersey based mortgage correspondent lender firm founded in 2002 by Vaishali Sheth. We provide residential mortgage across New Jersey and Pennsylvania. Lion Mortgage, which offers a host of diverse, flexible mortgage loan programs for customers with a variety of backgrounds and needs
  • Insight Credit Union
  • PO Box 4900, Orlando, FL, 32802
  • Insight Credit Union is a state-chartered credit union dedicated to improving the financial lives of those who live and work in the communities it serves. With 13 locations and more than 125 employees, Insight serves over 50,000 members in Orange, Seminole, Volusia, Osceola, Lake, Sumter, Citrus and Marion Counties.
  • Local 606 Electrical Workers Federal Credit Union
  • 820 Virginia Dr, Orlando, FL, 32803
  • Local 606 Electrical Workers Federal Credit Union is a not-for-profit cooperative financial institution, owned by our members. Each member has one vote in elections, which are held annually in order to select members to serve on the Board of Directors. These volunteers represent various member companies, which in turn offer credit union benefits.
  • Florida Home Loans
  • 937 N Magnolia Avenue, Orlando, FL, 32803
  • We essentially perform the same duties but offer different services. Those services occur before and after the transaction is completed. All Loan Officers can offer a client a 10, 15, 20, or 30 year mortgage at a competitive interest rate. They can make you promises about their advanced technology and services.
  • Florida Community Loan Fund
  • 800 N Magnolia Ave, Suite 106, Orlando, FL, 32803
  • Florida Community Loan Fund serves the 3rd most populated state in the U.S. by providing flexible financing and staff expertise to help projects succeed and help organizations improve lives and low-income communities. Our Impact has provided $470 million in lending statewide, into projects totaling $1.2 billion in total construction project