USDA Vs. FHA your options comparison in Benton, Franklin County, IL
In 2026, the USDA loan limit in Benton, county of Franklin, IL, is {DETAILS_LOAN_LIMIT_USDA_1_1}. For a single-family home, the FHA limit stands at $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates and determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side to help you choose the program in Alabama best suited to your financial situation.
2026 Loan Limits and Downpayment Requirements in Benton, County of Franklin, IL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Benton, IL
Lendersa® aims to secure you the best possible USDA or FHA loan quickly and efficiently. Select from three starting points, resulting in matching lenders and access to USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is an option available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.
Southern Illinois Bank offers a comprehensive line of banking products with superior customer service. These products and services are offered through experienced, conscientious and conservative bank personnel who know their customer, their families and their needs. This kind of familiarity instills an extreme sense of customer loyalty.
The Williamson County Catholic Credit Union is a member owned financial cooperative.
We serve the Catholic communities in Williamson County by providing competitive loans and savings in a friendly atmosphere while maintaining long term financial stability.
St. Joseph's Credit Union of Marion was chartered on November 3, 1952
First Southern Bank realizes that we must earn the right to be your bank of choice. We take great pride in our customer service and combining that with the fact that we are a locally owned and managed Southern Illinois bank allows us to feel comfortable in asking to be your bank.
Since 1906, our bank has been serving Jefferson County, Illinois. From 1906 to 2008, we operated as First National Bank which was originally chartered in Woodlawn, IL. We are proud to have been the only national bank to survive the Depression in Jefferson County, and we’re proud of our history of service to Jefferson County.
The Bank of Carbondale was originally chartered as the Vergennes State Bank in 1919, located on the corner of Hack Avenue and Main Street in Vergennes, Illinois.
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SIU Credit Union was founded in 1938 as Jackson County Teachers' Credit Union. Today, we serve 24 counties and many employer groups in southern Illinois. As a not-for-profit, member owned, financial cooperative, we believe in serving our membership instead of maximizing profits and Today, we serve 24 counties and many employer groups in southern Il
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