USDA VS FHA in Granite-City, Madison County, IL

During 2026, within Granite-City, located in Madison county, IL, the USDA loan ceiling is $285,000, while the limit for FHA loans is $356,362 for a single-family home.

Utilize the Lendersa® USDA loan calculator to compare leading USDA against FHA rates currently available and evaluate the income, credit score, reserves, and paperwork necessary to qualify. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans in parallel, assisting you in selecting the program that best suits your specific financial scenario in .

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2026 Loan Limits and Down Payment Requirements in Granite-City, Madison, IL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA Loan Options in Granite-City, IL

Lendersa® strives to quickly find you an optimal USDA or FHA loan without hassle. Choose one of three entry points for connecting with lenders and USDA loan programs.

Lendersa USDA loan request and results

Understanding USDA Loans in IL

The USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan, available exclusively in rural communities. Unlike FHA loans that demand a minimum of 3.5% down payment, USDA mortgages require no down payment.

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



  • First Integrity Mortgage Services
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  • Golden Oak Lending
  • 11737 Administration Drive, Saint Louis, MO, 63146
  • Golden Oak Lending, we speak mortgage and love translating it for you.The mortgage industry is full of technical, industry-based terminology and our local, experienced loan officers will help you make sense of it all in an easy-to-understand way. Our team uses this knowledge to align the right loan program that fits your needs & puts more savings.

  • Jersey State Bank
  • 1000 South State Street, Jerseyville, IL, 62052
  • On January 10, 1903, Theodore S. Chapman, Frederick Jacobs, Joseph R. Fulkerson, and Allen M. Slaten were granted permission to organize a bank to be known as the Jersey State Bank with capital stock of $25, 000.On January 28, 1903 Jersey State Bank opened its door for business at 123 West Pearl Street in Jerseyville

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  • 35 Grasso Plz, Missouri, MO, 63123
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  • 177 Cedar Bridge Ct, St. Louis, MO, 63141
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  • Lankford Capital
  • 12747 Olive Blvd, Saint Louis, MO, 63141
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  • Mortgages USA
  • 12140 Woodcrest Executive Dr, Suite 150 St., Saint Louis, MO, 63141
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  • Anchor Mortgage Group
  • 12747 Olive Blvd, Suite 300, Saint Louis, MO, 63141
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.

  • Century Credit Union
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  • Midwest BankCentre
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  • Assured Mortgage service
  • 9521 S. Broadway, Lemay, MO, 63125
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  • Triad Bank, National Association
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