For the present year 2025, the USDA loan limit for Gibson-City in Ford county, IL, is $285,000, whereas the limit for FHA in the same area for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator for comparing today's USDA and FHA top rates. This tool aids in identifying income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA options side by side, providing clarity on which program is optimal for your financial situation in
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| Loan Category | Max Loan | Initial Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The primary aim of Lendersa® is to facilitate obtaining an ideal USDA loan or FHA loan efficiently and with ease. Choose from three initial options to match with lenders and explore various USDA loan programs.
The USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development loan, is solely for rural areas. This differs from FHA loans that demand a minimum down payment of 3.5%, as USDA loans require no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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