USDA Vs. FHA Pro and Con comparison in Coal-Valley, Rock Island County, IL

In 2025, 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.

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

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.

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



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  • The Carver Group Inc.
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  • Southern California Mortgage
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  • Southern California Mortgage, where we specialize in residential mortgages. At Southern California Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
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  • REAL CONSULTANTS MORTGAGE AND REAL ESTATE SERVICES INC., we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans and also We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.
  • NAL Financial Inc.
  • 414 31st Street, Suite B, Newport Beach, CA, 92663
  • NAL Financial Team is located in Newport Beach, California, and proudly serves homeowners and homebuyers throughout California and Colorado. We believe the key to our success has always rested on three main principles: honesty, timeliness, and competitive pricing. As mortgage brokers, we are able to offer our clients a variety of products.
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  • Streamline Mortgage Corporation
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  • At Streamline Mortgage Corporation, our ultimate goal is to serve our clients with honesty, integrity, and competence. We provide our clients with the information needed to make well-informed decisions about the mortgage process and help borrowers overcome roadblocks that can arise while securing a loan. In addition to giving customer satisfaction