For 2025, the USDA loan ceiling in Havana, located within the county of Mason, IL, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.
Make use of the Lendersa® USDA loan calculator to compare today's best rates for USDA and FHA loans, assessing the necessary income, credit profile, reserves, and paperwork needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting in determining the best program for your financial circumstances in
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| Loan Category | Loan Ceiling | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to secure the optimal USDA or FHA loan for you swiftly and without hassle. You may select one of three pathways to connect with lenders and explore USDA loan options.
The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage does not necessitate any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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