In 2026, the USDA loan limit in Charleston, Coles county, IL, is $336,500, while the FHA limit for a single-family home is $472,030.
To compare today's best USDA with FHA rates, use the Lendersa® USDA loan calculator. It will help you determine the necessary income, credit, reserves, and documents to qualify. Our advanced calculator shows you USDA, FHA, Conforming, and VA loans side by side, enabling you to find the best program for your financial situation in Alabama.
2026 Loan Limits and Down Payment Requirements in Charleston, Coles, 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 Charleston, IL
At Lendersa®, our goal is to quickly get you the best possible USDA or FHA loan with no hassle. Start by selecting one of three ways to find matching lenders and explore USDA loan programs.
A USDA home loan is a financing option guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is available only in rural areas. FHA loans require a minimum 3.5% down payment, while USDA loans need no down payment at all.
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