USDA Vs. FHA Pro and Con comparison in Centralia, Marion County, IL

For 2025, the USDA loan limit in Centralia, within Marion, IL, is $336,500, while the FHA limit for a single-family home is $472,030.

Use Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA loans, determining the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, making it easier to decide on the best program for your financial needs in .

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2025 Loan Limits and Down Payment Details in Centralia, Marion, IL

Loan Type Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Centralia, IL

The objective of Lendersa® is to efficiently provide you with the best USDA or FHA loan without hassle. Choose one of three starting points to find matching lenders and suitable USDA loan programs.

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Understanding USDA Loans in IL

A USDA home loan, backed by the government Department of Agriculture and also known as a USDA rural development loan or mortgage, is exclusive to rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require none.

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



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