In 2026, the USDA loan limit for Champaign, within Champaign County, IL, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to check current USDA versus FHA rates and identify the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA programs to help you determine which option in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to secure you the most advantageous USDA or FHA loan quickly and effortlessly. Select from three starting methods that lead to matching lenders and USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, also known as the USDA rural development loan. It is exclusively available for rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans require no down payment, making them an attractive choice for many buyers in qualifying rural zones.
Enter your location to find out if it qualifies for USDA rural housing loan?
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