USDA Vs. FHA Pro and Con comparison in Vandalia, Fayette County, IL
In 2025, the USDA loan limit in Vandalia, within Fayette county of IL, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate whether USDA or FHA offers the best rates today. It helps determine the income, credit, reserves, and necessary documents for qualification. With our advanced mortgage calculator, review side-by-side options for USDA, FHA, Conforming, and VA loans, assisting you in making the best decision for your financial circumstances in .
2025 Loan Limits and Down Payment Requirements in Vandalia, County of Fayette, IL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Vandalia, IL
Lendersa® aims to quickly and smoothly secure the best possible USDA or FHA loan. Choose from three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan is a mortgage guaranteed by the Department of Agriculture, also known as a USDA rural development loan. These loans are only available in rural areas. In contrast to FHA loans that require a minimum down payment of 3.5%, USDA loans carry no down payment requirement, significantly benefiting eligible borrowers.
1450 East Zion Road, Suite 10, Fayetteville, AR, 72703
Generations Mortgage specializes in home purchase and refinance loans. We are committed to helping you obtain the ideal mortgage for your unique situation. Our knowledgeable, experienced staff will help you evaluate your options, identify the best-suited loan program and clear the way to a timely closing.
Iowa Falls State Bank was the first bank to reopen in Iowa Falls after the five banks in town were closed by the stresses of the Great Depression. It opened up for business on May 25,First Iowa Falls State Bank 1933, with a capital of $25,000 and a surplus of $5,000. On the first day the bank was opened, deposits of $25,000.
110 Northwoods Boulevard, Suite A-1, Columbus, OH, 43235
Our goal is to provide our customers with an experienced and highly qualified mortgage banker who will provide the personal care they need throughout the entire mortgage loan process. We realize that for most consumers this is the most significant financial decision they will make, because it involves their most valuable asset - their home
Concierge Mortgage is a full service mortgage provider focusing on the individual needs of our clients. We provide an array of customized financing solutions for residential & commercial purchases and refinances. We utilize tools & resources outside of the standard banking industry to achieve premium financing solutions above the industry standard.
150 E. Campus View Blvd, Suite 275, Columbus, OH, 43235
Hometown Lenders is here to serve our partners by operating from the core belief that exceeding expectations is the only way to do business. We deliver this pledge of excellence through unsurpassed customer service, leading-edge technology, and expert assistance to provide the most innovative and creative mortgage financing solutions available.
3530 Snouffer Road, Suite 100, Columbus, OH, 43235
Equitable Mortgage is dedicated to client satisfaction. We are a family owned business and one of Ohio's largest lenders. We take every loan request very seriously and use our expertise to better serve you and Equitable Mortgage has simplified the loan application process. We make it easy to Apply Online.
Since 1955, Best Financial Credit Union, formerly Community Schools Credit Union, has focused on providing a comprehensive, member-first banking alternative to the people of West Michigan. We've done so by a combination of getting to know our members' needs on a personal basis, then responding with customized, state-of-the-art services.
Service 1 Federal Credit Union is a member-owned, not-for-profit financial cooperative whose purpose is to promote members' financial well-being and create a positive change in the communities we serve. All profits earned are returned to our members in the form of less fees and better rates. Credit Union is a member-owned
