USDA Loan Vs. FHA loan for Champaign, IL [Champaign County Rates 2023]

In 2025, USDA loan limit in Champaign, county of Champaign, 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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USDA and FHA loan options in Champaign, 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.

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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.

(918) 258-4000 490 miles Lender's profile and map Reviews Tower Loans 24224 E Hwy 51, Broken Arrow, OK, 74014 Tower Loan opens and experiences prosperity and growth. The consumer finance industry was in its infancy.After World War II, Tower sold its offices to various employees within the company. The Jackson, Mississippi, South State Street Office of the original Tower group was purchased by Ed and Kate Clark.
(918) 806-2350 490 miles Lender's profile and map Reviews Concord Capital 21192 E 112th St S, Broken Arrow, OK, 74014 Our company was founded in Owasso, Oklahoma as a way to assist friends, neighbors, and the community to own affordable homes without sacrificing quality craftsmanship, energy-efficiency, or aesthetics. Our Oklahoma roots and values are reflected in all aspects of our company, including in the products we offer, our choice of vendors.
(870) 367-6221 490 miles Lender's profile and map Reviews Commercial Bank & Trust Company 212 West Gaines Street, Monticello, AR, 71655 In 1912 when we were known as Commercial Loan & Trust Company. We were founded on sound banking principles, solid business practices, and good, old-fashioned, common sense. Our growth was steady, and what began as a modest enterprise became an established financial institution. In 1965, we changed our name to Commercial Bank & Trust Company.
(218) 485-4441 490 miles Lender's profile and map Reviews The First National Bank of Moose Lake 400 Elm Avenue, Moose Lake, MN, 55767 First National Bank of Moose Lake is a locally owned community bank dedicated to providing caring personal service, maintaining a knowledgeable staff and building long lasting customer relationships. Demonstrating dedication to our customers, community and employees by providing meaningful conversations and services,
(404) 585-4878 490 miles Lender's profile and map Reviews Stream Mortgage Group LLC 3300 Benjamin E Mays Dr SW, Atlanta, GA, 30311 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(404) 832-5800 491 miles Lender's profile and map Reviews 1st Choice Credit Union 315 Auburn Ave, Atlanta, GA, 30303 1st Choice Credit Union was founded in 1946 to serve employees of Grady Hospital. Initially, it was named Hospital Authority Credit Union. The organization’s name was changed to 1st Choice Credit Union in 1991. 1st Choice Credit Union is a NCUA insured and CDFI credit union, headquartered on Atlanta’s historic Auburn Avenue.
(678) 406-4000 491 miles Lender's profile and map Reviews Citizens Trust Bank 260 Peachtree St Suite 1002, Atlanta, GA, 30303 We have built financial relationships since 1921 –we remain committed to providing personalized service and financial solutions to meet the growing needs of an entire community. Through a legacy built on principle, we go beyond meeting needs of offering banking products and service solutions; our mission is to financially empower our customers
(800) 533-2062 491 miles Lender's profile and map Reviews Georgia's Own Credit Union 100 Peachtree St, Suite 2800, Atlanta, GA, 30303 Georgia's Own was founded in 1934 by a group of telephone employees with an initial investment of $160. Since that time, the Credit Union has grown to be one of the largest Credit Unions in the state with assets over $2 billion and membership over 180, 000. In addition, we serve the employees of over 430 sponsor companies.
(404) 856-0806 491 miles Lender's profile and map Reviews AGAP Commercial Services 235 Peachtree St. NE, Suite 434, Atlanta, GA, 30303 At AGAP Commercial Services, where the monetary needs of your business are met through flexible financing solutions. It’s no secret that getting capital can be difficult. Low credit scores, cash flow problems, & a lack of collateral can prevent business owners from getting the funds & financing they need to succeed. That is where AGAP comes in.
(404) 981-6366 491 miles Lender's profile and map Reviews Commercial Loan Specialist (CLS) 236 Forsyth St SW, Suite 100, Atlanta, GA, 30303 Our team of capital advisors have delivered superior terms and rates for deals ranging from single family fix’n’flips to institutional grade multi-million dollar projects across the US. and also We will not only advise on your acquisition, but also identify the right lender for the specific asset class, negotiate the best terms + rate.
877 570 5594 491 miles Lender's profile and map Reviews Gist Group LLC 235 Peachtree Street NE, Atlanta, GA, 30303 Gist Group LLC is a First Class Commercial Real Estate Firm. Established in 2013 in Myrtle Beach, SC. Currently owned and operated in Atlanta, GA. Gist Group LLC has been positioned as a leader in finance brokerage industry. Reviewing thousands of Business and Real Estate projects annually.