USDA VS FHA in Fairbury, Livingston County, IL

In 2025, the USDA loan limit in Fairbury, located in Livingston county, IL, is set at $336,500. Meanwhile, the FHA limit for a single-family house is $472,030.

Use the Lendersa® USDA loan calculator to weigh today's USDA against FHA top rates and determine the necessary income, credit, reserves, and documents to qualify. Our sophisticated mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, guiding you to choose which program in best suits your financial requirements.

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2025 Loan Limits and Down Payment Requirements in Fairbury, Livingston County, IL

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

Choosing USDA and FHA Loans in Fairbury, IL

Lendersa® is dedicated to obtaining the best USDA or FHA loan for you quickly and with ease. Choose one of the three starting options to connect with appropriate lenders and suitable USDA programs.

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Understanding the USDA Loan in IL

A USDA home loan, insured by the Department of Agriculture, is referred to as a USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require none.

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



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