USDA and FHA Pro and Con in Bethalto, Madison County, IL

In 2025, the USDA loan limit in Bethalto, Madison, IL is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today and identify the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, assisting in selecting the best program for your financial situation in .

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2025 Loan Limits & Downpayment Requirements in Bethalto, Madison, 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 Bethalto, IL

Lendersa® aims to swiftly get you the best USDA or FHA loan without any hassle. You can select from three starting points that help match you with lenders and USDA loan programs.

Lendersa USDA loan request results

Understanding USDA Loans in IL

A USDA home loan, secured by the Department of Agriculture, is known as a USDA rural development loan or mortgage and is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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