USDA VS FHA in Decatur, Macon County, IL

For 2025, the USDA loan limit in Decatur, within Macon, IL, is $336,500. Meanwhile, the FHA limit for single-family homes is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the current best rates of USDA versus FHA and understand the income, credit scores, reserves, and paperwork necessary to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the most suitable program for your financial situation, especially in .

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2025 loan limits and down payment requirements in Decatur, Macon county, IL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Decatur, IL

Lendersa® aims to quickly provide the best USDA or FHA loan without complications. You can begin with one of three steps to connect with matching lenders and USDA loan packages.

Lendersa USDA request and matching findings

What Exactly is a USDA Loan in IL?

The USDA home loan, supported by the Department of Agriculture, is also known as a USDA rural development loan or mortgage, and it is exclusive to rural areas. Unlike FHA loans requiring at least a 3.5% down payment, a USDA mortgage requires none.

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



  • The Hussey Team
  • 706 Fayette St, Suite C, Conshohocken, PA, 19428
  • Buying a new home is an experience that lasts a lifetime, so why not have memorable one? The Hussey Team strives to make this happen. There could be some turbulence along the way, but it takes the right team to counsel all parties involved to reach a solution. We are mortgage advisors that work fast, accurately, and have fun.
  • Real Property Capital
  • 303 Harry Street, Conshohocken, PA, 19428
  • RPC offers a variety of loan types tailored to suit any commercial real estate requirement. These include permanent loans for both refinance and acquisition, construction loans, bridge loans, mezzanine/preferred equity, and traditional equity. Although we do not recommend hard money loans.
  • Cross Country Mortgage
  • 625 West Ridge Pike Building A, Conshohocken, PA, 19428
  • First Choice Mortgage Advisors has a highly knowledgeable staff in Pennsylvania, we truly encompass the word TEAM. Priding ourselves in top notch COMMUNICATION, we work seamlessly together to provide all Pennsylvania residents with the highest quality home loans. Whether you are looking to build your dream home, purchase a home, refinance
  • COLONIAL MORTGAGE ADVISORS LLC
  • 625 W Ridge Pike, Conshohocken, PA, 19428
  • Founded in 2011, the key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity. We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution.
  • ABNB Federal Credit Union
  • 830 Greenbrier Circle, Chesapeake, VA, 23320
  • ABNB Federal Credit Union celebrating over 62 years of serving members. As a member owned financial institution, we’ve grown to over 78, 000 members, have over $780 million in assets, and are a regional financial institution serving members in Greater Hampton Roads and Northeastern North Carolina through the Outer Banks.
  • Reverse Mortgage.Pro
  • 1512 Technology Drive, Suite 103, Chesapeake, VA, 23320
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Tidewater Home Funding, LLC
  • 1108 Eden Way North, Chesapeake, VA, 23320
  • Tidewater Home Funding, LLC has been helping neighbors across Hampton Roads and Northeast North Carolina realize the dream of homeownership. Processing, underwriting, loan closing, and funding functions are local and performed in-house enabling our team to provide the utmost in customer service.
  • Atlantic Financial Services
  • 2147 Old Greenbrier Rd, Suite A, Chesapeake, VA, 23320
  • Atlantic Financial Services is a family-owned company that has provided traditional installment lending for more than 20 years. Burnie Staples is the founder and President of Atlantic Financial Services. We are committed to valuing and enriching our customers and employees and being a leader in innovation and technology.
  • First United Bank Texas
  • 301 North Main Street, Childress, TX, 79201
  • First United Bank, a subsidiary of Plains Bancorp, Inc, reports total assets of more than $2 billion and currently operates 17 Banking Center offices in 13 West Texas communities; Amarillo, Canyon, Childress, Dimmitt, Earth, Lamesa, Littlefield, Lubbock, Paducah, Seagraves, Seminole, Sudan, and Wichita Falls, Texas.
  • BHCU
  • 501 Industrial Highway, Ridley Park, PA, 19078
  • Founded in 1952 in Ridley Park, Pennsylvania, BHCU is a federally insured credit union that provides comprehensive banking services to its members. Originally established to serve employees of Boeing (formally Vertol) and their family members, BHCU recently expanded to a community-based credit union, exclusively serving Delaware County, PA.
  • First State Bank of Texas
  • 4039 Ih 10 East, Orange, TX, 77630
  • First State Bank opened its doors on August 12, 1914. The bank was chartered and operated as Live Oak County State Bank until May 23, 1932, when the current name was adopted. Previous stockholders include John Nance Garner, former Vice President of The United States. The first branch opened on November 28, 2016 in Beaumont
  • Sabine Federal Credit Union
  • 1939 Strickland Drive, Orange, TX, 77630
  • Sabine Federal Credit Union was established in 1948. We are currently serving the financial needs of Hardin, Jasper, Jefferson, Newton, Orange & Tyler Counties with checking accounts auto loans, home mortgage loans, & more.Credit Union was established in 1948. We are currently serving the financial needs of Hardin Jasper, Jefferson, Newton, Orange.