In 2025, the USDA loan limit for Auburn, which is located in the county of Sangamon, IL, is set at $336,500. In contrast, for a single-family home, the FHA limit is established at $472,030.
Access the Lendersa® USDA loan calculator for a comprehensive comparison of today's most competitive USDA versus FHA rates. This will help you determine not only the income needed but also the credit requirements, reserves, and documents necessary for your qualification. Our advanced mortgage calculator gives a side-by-side view of USDA, FHA, Conforming, and VA loan options, which assists in deciding the best program available in tailored to your financial situation.
2025 Loan Limits and Downpayment Requirements for Auburn, in Sangamon County, 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 Auburn, IL
The primary aim of Lendersa® is to secure for you the most suitable USDA or FHA loan swiftly and with utmost convenience. You have the option to select from one of three initial pathways that ensure you match with the best lenders and USDA loan programs available.
The USDA home loan, guaranteed by the governmental Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. It's primarily available for rural regions only. Unlike the FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage does not necessitate any down payment at all.
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