For 2026, the USDA loan cap in Washington-Park, within the boundaries of St. Clair county, IL, is set at $285,000. In comparison, the FHA limit for a single-family residence is $356,362.
Take advantage of the Lendersa® USDA loan calculator to evaluate the prime USDA versus FHA rates today and ascertain the necessary income, credit, reserves, and documentation needed for qualification. Our cutting-edge mortgage calculator allows you to see USDA, FHA, Conforming, and VA loan possibilities side by side, helping you choose the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to quickly and efficiently secure you the most suitable USDA or FHA loan available. You can start by selecting one of three different methods to find lenders and USDA loan opportunities tailored to you.
A USDA home loan is government-backed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is available only in rural areas. In contrast to FHA loans, which necessitate a minimum down payment of 3.5%, the USDA 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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