In the year 2026, the USDA loan limit for Galena located in Jo Daviess county, IL, stands at $336,500. Whereas, the maximum FHA limit for a single-family home in the same area is $472,030.
Apply the Lendersa® USDA loan calculator to evaluate and compare today's best USDA versus FHA rates. This tool is essential in determining your income, credit requirements, reserves, and the documentation needed to qualify. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, facilitating your decision on the optimal program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to ensure you acquire the best USDA or FHA loan quickly and with minimal hassle. Start by selecting one of three approaches, each leading to matching lenders and unlocking potential USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture, is commonly known as a USDA rural development loan or USDA mortgage. Exclusively available in rural neighborhoods, this loan stands apart from FHA loans, which demand a minimum down payment of 3.5%; USDA loans offer the distinct advantage of requiring no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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