In 2025, for East-Alton located in Madison county of IL, the USDA loan limit is $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to assess and compare today's best rates between USDA and FHA loans. Find out the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you to select the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to swiftly secure the best USDA or FHA loan for you without hassle. Start with one of the three options that connect you with matching lenders and USDA loan programs suited to your needs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is guaranteed by the U.S. Department of Agriculture and is available solely in rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans require no down payment, offering substantial advantages for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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