USDA Vs. FHA your options comparison in Harrisburg, Saline County, IL
In 2026, the USDA loan limit for Harrisburg, in the county of Saline, IL is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to discern the top USDA vs. FHA rates today, determining necessary income, credit, reserves, and document requirements for eligibility. Our advanced mortgage calculator lets you see comparisons of USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the best program for your financial needs in .
2026 Loan Limits & Down Payment Guidelines in Harrisburg, Saline, IL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Harrisburg, IL
Lendersa®'s objective is to obtain you the best USDA or FHA loan quickly and with ease. Choose from three options to connect with matching lenders and USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture, also called a USDA rural development loan or mortgage, is available solely in rural areas. Unlike FHA loans, which demand a down payment of at least 3.5%, USDA loans require no down payment at all.
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