USDA Vs. FHA your options comparison in Collinsville, Madison County, IL
In 2026, the USDA loan limit for Collinsville in Madison County, IL, is $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today’s top USDA versus FHA rates. Determine what income, credit, reserves, and documents are needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you select the program that best suits your financial needs in .
2026 Loan Limits and Down Payment Requirements in Collinsville, Madison, IL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Collinsville, IL
Lendersa® strives to quickly secure the best USDA or FHA loan for you, without hassle. Choose from three starting options that match you with suitable lenders and USDA programs.
A USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is specifically available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment.
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