USDA Vs. FHA your options comparison in Columbia, Monroe County, IL

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

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Columbia, county of Monroe, 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 Columbia, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Capital Finance Mortgage LLC
  • 7112 Cypress Hill Drive, Gaithersburg, MD, 20879
  • At Capital Finance Mortgage, we are a residential mortgage lender that believes your home is your most important investment, and when it comes to your mortgage, you deserve expert advice. We believe in using our experience to educate our clients, and in helping you find the right loan for your family, and for your goals.
  • Realty Group Mortgage, LLC
  • 6 Montgomery Village Avenue, Suite 270, Gaithersburg, MD, 20879
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • The Mortgage Gallery Inc
  • 16039 Comprint Circle, Gaithersburg, MD, 20877
  • The Mortgage Gallery Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Fayette Savings Bank, SSB
  • 111 East Travis, La Grange, TX, 78945
  • Fayette County Savings & Loan Association was organized in October of 1976. By March of 1977, all of the necessary stock was sold and Fayette County Savings & Loan Association was chartered on December 31, 1977. Insurance of accounts was obtained on August 28, 1978, and Fayette County Savings & Loan Association opened for business.
  • National Bank & Trust
  • 145 West Colorado, La Grange, TX, 78945
  • Chartered in 1888, National Bank & Trust is headquartered in La Grange, Texas, and has been a major contributor in the development and expansion of the business and agricultural community since its inception. National Bank & Trust is a full-service Bank with friendly people who take the time to listen
  • Commonwealth Financial Services Inc
  • 210 East Broad Street, Suite 203, Falls Church, VA, 22046
  • At Commonwealth Financial Services inc we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • Congressional Capital
  • 125 N Washington St, Falls Church, VA, 22046
  • Congressional Capital, LLC is the leading hard money lender in DC, dedicated to providing fast and flexible direct, private loans to DC developers and borrowers. The lending experts at Congressional Capital provide full spectrum services related to private/hard money real estate transactions
  • Metro Mortgage LLC
  • 7830 Backlick Road, Suite 401, Springfield, VA, 22150
  • At Metro Mortgage LLC, we treat your loan application a dream and work hard to make that dream come true. Our team examines your income, assets and liabilities to formulate a perfect solution for you. Irrespective of your credit score or financial situation our team will help you to make a guided decision for your dream homes.
  • Commonwealth Mortgage Inc
  • 6800 Backlick Road, Suite 201, Springfield, VA, 22150
  • Founded in 2012, Commonwealth Mortgage is your mortgage Company CM’s Mission is to develop strong relationship and deliver exceptional, reliable, next generation mortgage loan and refinance solutions and professional quality services for our client to won comfort, satistifed, and secure future
  • Forty Acres Lending, LLC
  • 13809 Research Boulevard, Suite 500, Austin, TX, 78750
  • Forty Acres Lending. We are a full-service mortgage company based in Austin, Texas. We specialize residential lending and offer a full array of products to serve all including First Time Home Buyers, FHA, Veterans, Jumbo, Conventional Mortgages, Rental Properties, No Incone Verification Loans, Fix-n-Flip and New Construction.
  • Texas Mortgage Consultants, PLLC
  • 8805 Lemens Spice Trail, Austin, TX, 78750
  • Russell Stout is the Broker for Texas Mortgage Consultants, PLLC. Since 2002 he has been originating Texas mortgages for the greater Austin area and beyond. During his career, Russell has worked as a Branch Manager, Sales Manager, VP of Operations, and owned his own mortgage company.
  • LOANS BY PRODIGY
  • 13740 Research Blvd, Building E, Suite 1, Austin, TX, 78750
  • Prodigy Mortgage, personal commitment to excellence coupled with a passion to help others is the common element in our Mortgage team. We are a local Mortgage Brokerage with a vision to deliver a competitive home loan with a remarkable experience for first to forever homebuyers. Our reputation is extremely important.