USDA Vs. FHA your options comparison in Coal-Valley, Rock Island County, IL
In 2026, the USDA loan limit in Coal-Valley, in Rock Island county, IL, is $285,000, and for a single-family home, the FHA limit is $356,362.
Utilize Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates, assessing the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program in for your financial circumstances.
2026 Loan Limits and Down Payment Needs in Coal-Valley, Rock Island County, IL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Coal-Valley, IL
Lendersa® strives to provide you with the best USDA or FHA loan quickly and effortlessly. Choose one of three starting approaches to find lenders matching your needs and USDA loan options.
A USDA home loan, guaranteed by the U.S. Department of Agriculture and known as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans have no down payment requirement.
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