USDA Vs. FHA your options comparison in Dwight, Livingston County, IL

In 2025, within Dwight, Livingston county, IL, the USDA loan limit is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to assess the best current rates between USDA and FHA loans. This tool aids in identifying the required income, credit, reserves, and related documents for qualification. By using our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, helping you select the ideal program in for your situation.

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2025 Loan Limits and Down Payment Requirements in Dwight, Livingston, IL

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

Exploring USDA and FHA Loan Options in Dwight, IL

Lendersa® strives to connect you with the optimal USDA or FHA loan promptly and with ease. Choose one of three paths to discover matching lenders and suitable USDA loan opportunities.

Lendersa USDA loan request and matching results

What is a USDA Loan in IL?

The USDA home loan, backed by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. It's available only in rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans have no such requirement, effectively easing the path to homeownership for those living in eligible areas.

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



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