USDA Vs. FHA Pro and Con comparison in Decatur, Macon County, IL

In 2025, USDA loan limit in Decatur, county of Macon, 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.

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2025 loan limits and downpayment requirments in Decatur, county of Macon, 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 Decatur, 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?



  • Park Mortgage
  • 4170 41st Ave S, Suite 102, Fargo, ND, 58104
  • Park Mortgage, our purpose is to simplify the mortgage process. We are committed to customer satisfaction and value communication to understand your financial needs. We will listen to you and encourage your questions. Our established relationships allow us to shop the market quickly to find the best product at the best rate.
  • Westside Community FCU
  • 125 East Buffalo Street, Churchville, NY, 14428
  • Westside Community Federal Credit Union is now serving the communities of Chili, Churchville, Ogden, Riga and Sweden. Also included are spouses of persons who died while within the field of membership of this credit union, persons retired as pensioners or annuitants from the above employment, members of their immediate family or household,
  • Louisiana Baptist Federal Credit Union
  • 1250 MacArthur Drive, Alexandria, LA, 71303
  • Louisiana Baptist Federal Credit Union has been open since 1975. The credit union has assets totaling $5.26 Million and provides banking services to more than 900 members. The credit union is a religious-based credit union. Membership is also open to immediate family of current members.
  • Louisiana Land Bank
  • 3640 Bayou Rapides Road, Alexandria, LA, 71303
  • Louisiana Land Bank, ACA is headquartered in Monroe, Louisiana, with 11 locations state-wide to meet your agriculture and rural financing needs. Louisiana Land Bank has been Louisiana's premier agricultural lender for over 100 years. We are a locally owned and operated lending cooperative whose specialty and expertise are making agricultural loans.
  • Southern Heritage Bank
  • 5211 Jackson Street, Alexandria, LA, 71303
  • Let Southern Heritage Bank help celebrate one of the most exciting times of your life by choosing us for your mortgage needs! While buying a home is one of the biggest decisions you'll ever make, selecting the right mortgage loan can be just as important. Your lifestyle. Your budget. Your comfort level.
  • Bluestone Home Loans LLC
  • 14382 Flourcastle Court, Centreville, VA, 20120
  • Bluestone Home Loans LLC was created to better serve the needs of the customer. Our founder, Matt McMahon, learned the business as a loan officer at a large regional bank. He valued his time there and worked with many outstanding individuals. Bluestone Home Loans is exclusively a Virginia mortgage brokerage.
  • St Michael Mortgage LLC
  • 5381 Lavender Mist Court, Centreville, VA, 20120
  • St Michael Mortgage LLC Is to provide exceptional service at competitive pricing to those in need of mortgage Loans, refinancing, and consulting services, ensure our clients’ needs are met, and respect and hold dear the client base that ensures our successful future and also We are a for profit company in the practice of mortgage.
  • 1st Raleigh Mortgage, LLC
  • 7751 Brier Creek Pkwy, Suite 100, Raleigh, NC, 27617
  • The mortgage process can be confusing. Our mortgage experts help make the process easy to understand! With a single application and credit report, we can show you customized options from great lenders and make sure to find the right loan for you and Our loan originators have access to a wide array of loan products, helping them.
  • CrossOver Lending Group Inc
  • 8801 Fast Park Drive, Suite 207, Raleigh, NC, 27617
  • The Crossover Lending Group, Inc team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Harry H Horning Financial Services
  • 8721 Plantation Lane, Suite 201, Manassas, VA, 20110
  • Harry H. Horning Financial Services was founded with the goal of guiding our clients in every aspect of their financial lives in order to help them achieve financial confidence and independence. We are dedicated to you, our client. We work one on one with you to analyse your financial situation, determine a best course of action.
  • Dominion First Mortgage Corporation
  • 9431 Main St, Manassas, VA, 20110
  • Dominion First Mortgage was founded in 1995 in Manassas Va. Our incredible staff has closed over 1 Billion dollars in loans mostly in the Northern Virginia counties of Fairfax, Prince William, Loudoun and Arlington. Because of our local knowledge we make the loan process much simpler for our borrowers.
  • Alexandria Municipal Employees Credit Union
  • 1032 Wisteria Street, Alexandria, LA, 71301
  • Alexandria Municipal Employees Credit Union was first authorized to do business in 1951. The By-Laws of this State Chartered Credit Union were adopted at the first Board of Directors Meeting held on January 10th, 1951. Alexandria Municipal Employees Credit Union remains committed to the long-established ideals of the Credit Union Movement.