USDA and FHA Pro and Con in Carterville, Williamson County, IL

In 2025, USDA loan limit in Carterville, county of Williamson, IL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Carterville, county of Williamson, 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 Carterville, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Legacy Credit Union
  • 3929 East 7th Street, Suite A, Joplin, MO, 64801
  • We are a local credit union located in Joplin, MO. Originally we were known as District 7 Highway Credit Union and were a part of the Missouri Department of Transportation. We have since expanded and look forward to serving you.credit union located in Joplin, MO. Originally we were known as District 7 Highway Credit Union
  • The Bank of Grain Valley
  • 14801 E US Highway 40, Kansas City, MO, 64136
  • The Bank of Grain Valley was established May 11, 1905 and has been continually operated as a local, family owned, independent, community bank since that time. While banking has changed in the last 117 years, The Bank of Grain Valley's principles have not. We are committed to serving our customers on a personal basis.
  • 1st Legacy Capital LLC,
  • 270 Ridgeland Drive, Starkville, MS, 39759
  • 1st Legacy Capital was founded by Ken Freshwater & Andy Shurden in 2016. After nearly 40 years of combined mortgage experience, Ken & Andy formed 1st Legacy Capital LLC to provide consumers in Mississippi the premier resource for Mississippi Reverse Mortgage Loans. 1st Legacy is located in Starkville Mississippi & serves consumers state wide.
  • Anchor & Anvil, LLC
  • 1055 W. Bryn Mawr, Suite F-128, Chicago, IL, 60660
  • Anchor & Anvil, LLC focuses on placing debt capital for businesses in various industry sectors & for commercial real estate investors & operators seeking competitive terms & fast closing time frames. Anchor & Anvil correspondent relationships developed over the years include agency lenders, life companies, credit unions, & specialty lending firms.
  • Brickyard Bank
  • 6676 North Lincoln Avenue, Lincolnwood, IL, 60712
  • Brickyard Bank was chartered in 1979 as a state chartered bank located in the Brickyard Mall at Diversey & Narragansett on the northwest side of Chicago, Illinois. The bank served the newly created mall & the surrounding area. Brickyard Bank has proudly served the Lincolnwood & surrounding community with full service banking now for over 35 years.
  • A 2 Z Mortgage Solutions LLC
  • 6600 N Lincoln Ave, Suite 420, Lincolnwood, IL, 60712
  • A 2 Z Mortgage Ashour Zaia Mortgage broker in Lincolnwood, Illinois of company NMLS # 2103383 We are working hard to make the loan process smooth and hassle free. We are working day and night to make our services live. Meanwhile you can contact us and come back to this page for updates
  • Lamb Financial
  • 6825 North Lincoln Avenue, Lincolnwood, IL, 60712
  • We are a full-service residential financing provider delivering funding solutions to Chicagoland and northern Illinois. We are also recognized as the industry leader in renovation and construction financing with 25+ years of expertise and unique offerings that provide excellent terms and financial flexibility.
  • Comfy Loans LLC
  • 200 W Higgins Rd, Schaumburg, IL, 60195
  • Comfy Loans LLC is is privately owned and licensed as a residential mortgage broker in 2 states - Florida & Illinois. Unlike banks and giant online lenders, Comfy Loans LLC specialize exclusively in home loans. We can find the best loan for your situation. And because we have access to wholesale rates, we’ll pass those savings along to you.
  • The Peoples Bank Co.
  • 112-14 West Main Street, Coldwater, OH, 45828
  • Banking had its beginning in Coldwater of 1902. Henry C. Fox, Anthony Rathweg, and H. F. Hoffman started a partnership and opened a bank under the name of The Peoples Bank. It was located at the corner of South First and Main Streets. This partnership was so prosperous that in 1905 they decided to form a corporation.
  • SouthEast Bank
  • 12700 Kingston Pike, Knoxville, TN, 37934
  • SouthEast Bank has become a premiere financial institution in Tennessee by delivering exceptional quality service, & innovative Banking products to its clients. Our experienced staff diligently serves our communities with integrity and a sense of pride by offering exceptional service & value to not only our customers, but the community as a whole.
  • Central Communications Credit Union
  • 17811 E US Highway 40, Independence, MO, 64055
  • Central Communications Credit Union (originally Telephone Employees Credit Union) was founded in 1934 to serve the financial needs of area telephone employees. Since that time, CCCU has grown to serve many other outstanding companies, including HNTB, AT&T and Faultless Linen Supply, just to name a few.