USDA VS FHA in Edwardsville, Madison County, IL

For 2025, the USDA loan limit in Edwardsville, within Madison County of IL, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Employ the Lendersa® USDA loan calculator to assess the best USDA versus FHA rates available today. Determine the required income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in choosing the optimal program for your specific financial needs in .

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2025 Loan Limits and Down Payment Requirements in Edwardsville, Madison, IL

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

Discover USDA and FHA Loan Options in Edwardsville, IL

The aim of Lendersa® is to swiftly secure the ideal USDA or FHA loan for you, seamlessly and without difficulty. Choose from three different pathways that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What are USDA Loans in IL?

A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is exclusive to rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • Fiado Loans LLC
  • 21699 E Quincy Ave, Unit F-294, Aurora, CO, 80015
  • Fiado Loans LLC Our promise is to provide unparallel service and unbelievable rates. We know consumers have many choices when taking huge financial steps with mortgages loans. We’re grateful to be a part of it and accept the challenge of surpassing your expectation and We offer some of the lowest rates in the industry.
  • Higher Life Financial LLC
  • 20001 East Bellewood Drive, Centennial, CO, 80015
  • Higher Life Financial was created by CEO Eddie Wong .We have worked and learn with some many talented individuals in the mortgage industry for the past 17 years Looking to achieve the Highest level of Home mortgage service and find the right product for our clients and also Higher Life Financial mission is to help families.
  • Benjamin Investment Group Inc
  • 18555 E Smoky Hill Road, Suite 1481, Aurora, CO, 80015
  • 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.
  • Home Loan Assist Colorado
  • 5369 South Genoa Street, Centennial, CO, 80015
  • Home Loan Assist Colorado Tracy Pettway is the owner of mortgage company helped many purchase primary residences, investment properties, lower monthly mortgage payments, consolidate debt and focus on becoming debt free ultimate goal is to help my clients fulfill their home ownership dreams and to put them in the best financial position possible.
  • True Mortgage LLC
  • 5746 S Bahama Circle E, Aurora, CO, 80015
  • True Mortgage. We are a full-service mortgage broker located in Denver, Colorado, but serving all of Colorado and its amazing residents. We are experts in all types of mortgage programs and have extremely competitive rates. Contact True Mortgage today to discuss your mortgage options and find out which loan program best suits your needs.
  • Vihi Mortgage Inc
  • 5725 North 5th Street, Philadelphia, PA, 19120
  • "Vihi Financial was established in 1996 to service the people of Pennsylvania. We've gained the trust of our customers by finding the best financial solutions through our dedication to quality customer service. We are licensed as insurance broker in PA and NJ. We are also licensed as PA Mortgage Broker in PA"
  • EA Lending LLC
  • 5923 N 5th Street, Philadelphia, PA, 19120
  • I'm here to solve that for you. When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation & make sure that you get a low rate mortgage without the stress & hassle that's normally associated with it. Feel free to call me direct or if you prefer you can email me. Paul Kwon
  • Allegiant Funding
  • 1662 South Idalia Circle, Unit P, Aurora, CO, 80017
  • 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.
  • Seafarer Home Corporation
  • 36 Seafarer Ln, Ocean Pines, MD, 21811
  • As a licensed Mortgage Lender/Broker, we know from firsthand experience how overwhelming it can be to deal with mortgages. However, we also know that it doesn’t have to be this way. Seafarer Home specializes in helping you understand all of your mortgage and financing options so you can make smart and informed decisions.
  • Marion State Bank Texas
  • 301 West San Antonio Street, Marion, TX, 78124
  • Marion State Bank was granted a charter from the state on October 26, 1906, making it the 134th state chartered bank in TX. Marion State Bank is the seventh-oldest bank in TX that is still operating under its charter. When the bank was founded, it was housed in the rear portion of the first floor of the H. D. Dreyer Building, known as Waldorf Club.
  • Rocky Mountain Law Enforcement Federal Credit
  • 992 Potomac Cir, Aurora, CO, 80011
  • Originally founded by the Denver Police Department, RMLEFCU has proudly served law enforcement professionals and their families since 1938. Over the years, we have grown to include a membership of more than 10,000 members and assets in excess of $145 million. RMLEFCU is regulated by the National Credit Union Administration (NCUA).
  • The District Credit Union
  • 751 Chambers Rd, Aurora, CO, 80011
  • The District Credit Union is a not-for-profit cooperative, founded in 1961 by eight Aurora Public School teachers. Ever since, our education-minded credit union has fought hard to improve the financial lives of our members with better products and friendlier service. Become a member of the District Credit Union today and start prospering