USDA and FHA Pro and Con in Geneseo, Henry County, IL
In the year 2026, the USDA loan limit for Geneseo, situated in Henry county, IL, is set at $336,500. The FHA limit for a single-family home, however, is $472,030.
The Lendersa® USDA loan calculator allows you to compare today's top USDA and FHA rates, and to ascertain the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, enabling you to determine which program in best fits your financial needs.
Loan Limits and Down Payment Requirements for 2026 in Geneseo, Henry County, 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 Opportunities in Geneseo, IL
Lendersa® aims to swiftly obtain for you the best possible USDA or FHA loan without hassle. Choose one of three starting points to find matching lenders and suitable USDA loan programs.
A USDA home loan is supported by the U.S. Department of Agriculture and is often referred to as a USDA rural development loan or mortgage. These are accessible only in rural neighborhoods. Unlike FHA loans mandating a minimum down payment of 3.5%, USDA mortgages do not require any down payment, offering a substantial benefit to eligible borrowers.
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383 US Route One, Suite 1F, Scarborough, ME, 04074
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