USDA Vs. FHA your options comparison in Chillicothe, Peoria County, IL

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

Utilize the Lendersa® USDA loan calculator to explore and compare today's best USDA versus FHA rates, determining the necessary income, credit, reserves, and documents to qualify. With our advanced calculator, review USDA, FHA, Conforming, and VA loan options side by side, guiding you to the best program in for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Chillicothe, Peoria County, 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 Chillicothe, IL

Lendersa® aims to secure the most favorable USDA or FHA loans for you quickly and seamlessly. Select one of three starting points to connect with lenders and the USDA loan programs best suited to your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural neighborhoods. Differing from FHA loans which require at least a 3.5% down payment, USDA loans do not require any down payment, offering significant advantages to eligible borrowers.

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



  • CN/IC Employees Credit Union
  • 2005 Nonconnah Boulevard, Suite 7, Memphis, TN, 38132
  • CN/IC Employees Credit Union strives to be the lifetime financial partner of our member-owners. CN/IC Employees Credit Union will be distinguished within the industry as a secure and growing organization which owes its success to constant attention to its members’ needs and expectations.
  • Labette Bank
  • PO Box 497, Altamont, KS, 67330
  • Labette Bank is a trustworthy community bank that serves the people and businesses of Southeast Kansas. Labette Bank was founded in 1915 by a group of businessmen who strongly believed in the people and businesses of our area. Their founding beliefs are still the cornerstone of our banking philosophy.
  • The First National Bank of Oneida
  • 18418 Alberta St., Oneida, TN, 37841
  • First National Bank of Oneida is dedicated to building partnerships and supporting progress since 1904. Blessed throughout the years with insightful visionaries and leaders with strong and sound philosophies, First National Bank is not only the oldest bank but also the only locally owned bank in Scott County
  • Greater Wayne Community Federal Credit Union
  • 328 N Main Street, Rittman, OH, 44270
  • Greater Wayne Community Federal Credit Union began in 1941 as the PCA Federal Credit Union. In 2008 We converted to a community charter, opening our doors to anyone who lives, works, worships, or attends school in Wayne County, Ohio. In 2020 GWC Federal Credit Union and Morton Salt Credit Union merged. We now have two offices, Rittman, and Doylesto
  • Coleman Mortgage Company
  • 210 Jetway Blvd, Clinton, AR, 72031
  • Coleman Mortgage Company is located in Matagorda, TX, United States and is part of the Other Financial Investment Activities Industry. Coleman Mortgage Company has 10 total employees across all of its locations and generates $431, 035 in sales (USD). (Sales figure is modelled). Licensed in Texas and Arkansas
  • The Apple Creek Banking Company
  • 3 West Main Street, Apple Creek, OH, 44606
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  • The Corner Stone Bank
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  • The Cornerstone Bank is continuously growing and expanding to better meet the needs of its customers. In 1986, the bank opened its first branch in Tiff City, followed by the Lanagan branch in 1995. The Goodman branch opened in the fall of 2009, with the latest addition, the Pineville branch, opening in 2015.
  • Bank of Little Rock Mortgage
  • 500 SE Walton Blvd, Suite 18, Bentonville, AR, 72712
  • Bank of Little Rock Mortgage is a​ leading mortgage lender founded and headquartered in Arkansas. We originate residential home loans such as FHA, VA, Conventional, Rural Development and bond loans. We have several branches located throughout Arkansas, Alabama, Missouri. Florida and Utah.
  • Hero Mortgage, LLC
  • 609 SW 8th Street, Suite 600, Bentonville, AR, 72712
  • Hero Mortgage, LLC you’re buying, selling, refinancing or building your dream home, you have a lot riding on your Loan Officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who can give you quick and accurate financial advice.
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  • Embers Credit Union
  • 601 S McClellan Avenue, Marquette, MI, 49855
  • We're an institution that was born and raised in the Upper Peninsula of Michigan. The #EmbersTeamMembers strive to spark financial opportunities and offer solid advice to get our membership to the next level. Our fire burns for everyone that calls the U.P. home. So, as we always say, #LiveitUP.