USDA and FHA Pro and Con in Carlyle, Clinton County, IL

In 2025, the USDA loan limit in Carlyle, Clinton County, IL, is $336,500, while for a single-family home, the FHA limit is $472,030.

To compare today's USDA versus FHA best rates, use the Lendersa® USDA loan calculator, which helps determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA loans to help you choose the best program in based on your financial situation.

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2025 Loan Limits and Downpayment Requirements in Carlyle, Clinton 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 Carlyle, IL

Lendersa® aims to efficiently secure the best USDA or FHA loan for you without hassle. Start with any of the three options that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in IL?

A USDA home loan, secured by the Department of Agriculture, is sometimes called a USDA rural development loan or USDA mortgage, available only in rural areas. FHA loans demand at least a 3.5% down payment, whereas USDA loans don't require any down payment.

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



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  • 601 W Oglethorpe Hwy, Hinesville, GA, 31313
  • GeoVista Credit Union was founded as Fort Stewart Georgia Federal Credit Union in 1964 in Hinesville, GA. In 2007, we expanded to include all individuals and families within Bryan, Bulloch, Chatham, Effingham, and Liberty Counties, as well as Fort Stewart and Hunter Army Airfield.
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  • 617 Windhaven Drive, Hinesville, GA, 31313
  • Dove Mortgage, Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you
  • Moody Mortgage Corporation
  • 108 S Commerce St, Hinesville, GA, 31313
  • At Moody Mortgage Corporation we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you. Moody Mortgage Corporation works with multiple lenders.
  • INTERSTATE CREDIT UNION
  • 705 W Cherry St, Jesup, GA, 31545
  • Interstate Credit Union has been a local not-for-profit, member-owned cooperative. People who do their banking at Interstate Credit Union are members, not just customers. They are full voting members and own a “share” in the Credit Union with their primary savings account. Everyone must keep $5 in their primary savings account to remain a member.
  • FIRST NATIONAL BANK NORTH
  • 600 Minnesota Avenue, Walker, MN, 56484
  • The First National Bank North has served local communities since 1902 and now serves several Minnesota Communities. At First National Bank North, we are invested in the growth and success of the Minnesota Communities we serve. As we continue to grow and provide the newest features to our customers, whether that be e-statements, mobile banking.
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  • 410 William Street, Fredericksburg, VA, 22401
  • Virginia Partners Bank® and Maryland Partners Bank® because we believe that our residents and businesses deserve a local bank. We enjoy living here and getting to know our neighbors, the people we do business with. We’re active in the community, love its history, and offer support by donating our time, talents, and resources.
  • Security Trust Mortgage LLC
  • 1407 Hearthstone Drive, Fredericksburg, VA, 22401
  • At Security Trust Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you & your family from the many mortgage options
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