USDA VS FHA in Carlinville, Macoupin County, IL

In 2025, the USDA loan limit for Carlinville, situated in Macoupin county, IL, is $336,500. The FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA options. Understand the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side, helping you decide which program in is best suited to your financial needs.

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2025 Loan Limits and Down Payment Requirements in Carlinville, Macoupin County, 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 Carlinville, IL

Lendersa® aims to quickly secure the best possible USDA or FHA loan for you without hassle. Select one of three starting paths to connect with lenders offering USDA loan programs that match your needs.

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What is a USDA Loan in IL?

A USDA home loan, supported by the U.S. Department of Agriculture, is often called a USDA rural development loan or mortgage. It is exclusively available in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment, offering substantial benefits to eligible borrowers.

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



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