In 2026, 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.
2026 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.
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.
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