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