USDA and FHA Pro and Con in Vandalia, Fayette County, IL
In 2025, USDA loan limit in Vandalia, county of Fayette, IL is $336,500 while FHA limit is $472,030 for a single-family home.
Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.
2025 loan limits and downpayment requirments 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%
USDA and FHA loan options in Vandalia, IL
Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.
USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
As a not-for-profit financial cooperative, Fortera’s focus will always be on serving people, not shareholder profit. Simply put, we value members over numbers. Our approachable, casual nature lacks the stuffiness of traditional banking. We have a reputation for finding a way to help people achieve their goals in the face of financial obstacles.
Aniya Equity is a community-focused real estate investment company located in Clarksville, Tennessee that wants to pay you cash for your home. With years of experience, we set out to help our neighbors by stimulating local development, empowering residents and property owners and aid up-and-coming communities throughout Tennessee and Kentucky.
The Eclipse Team consists of highly-experienced, talented bankers. We hire exceptional bankers and empower them with the tools they need to be successful and also Eclipse strives to be a valuable corporate citizen. We give back to our community in numerous ways, including volunteerism, donations, and lending in low-moderate income areas
120 Sears Avenue, Suite 208, Louisville, KY, 40207
Founded in 2005 by Tommy Atlas, Atlas Capital Mortgage has helped hundreds of people in Kentucky buy and refinance their homes. A 1992 graduate of the University of Louisville, Tommy began his career in the retail banking sector at the Bank of Louisville. He transitioned exclusively to mortgage banking in 1998. With more than two decades.
231 Breckenridge Lane, Suite 202D, Louisville, KY, 40207
We offer great rates and closing-cost packages. Borrowers Choice Mortgage will shop among several wholesale lenders nationwide to find your best deal. We make sure clients don’t overlook closing costs by focusing solely on rates, which is a common mistake. Closing costs are very important to getting the best deal over time.
Select Mortgage Advisors - Kentucky and Indiana.These devoted professionals work Kentucky with individuals, couples and families every day to help them obtain the best mortgage rates with the lowest closing costs. and No Closing Costs Mortgage Loans! 100% Financing Available and Our primary focus.
161 St Matthews Ave, Suite 10, Louisville, KY, 40207
The Lightpoint Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Kentucky . Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt
295 North Hubbards Lane, Suite 102, Louisville, KY, 40207
Multiple Option Mortgage Services is a mortgage broker. Servicing Louisville & surrounding areas. Specializing in all types of residential lending including Conventional, FHA, VA & KHC. With over twenty-five years of experience, our knowledgeable team is confident that they will facilitate a smooth closing in the purchasing of your new home.
