As we move through 2025, the USDA loan limit in Highland, within Madison county of IL, is established at $336,500, contrasting with the FHA's cap of $472,030 for single-family residences. This is a crucial consideration for potential homebuyers evaluating options in the housing market.
To effectively compare today's premium USDA and FHA rates, make use of the Lendersa® USDA loan calculator. This powerful tool allows you to assess the necessary income levels, credit scores, financial reserves, and documentation required to secure a loan. With our advanced mortgage calculator, you can seamlessly compare USDA, FHA, Conforming, and VA loans side by side, enabling you to choose the best-fit program in
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| Loan Type | Loan Limit | Down payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to swiftly connect you with the optimal USDA or FHA loan, ensuring the process is straightforward and hassle-free. Start by selecting one of our three pathways, specifically designed to connect you with potential lenders and USDA loan programs suited to your needs.
The USDA home loan, underwritten by the U.S. Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. This loan distinguishes itself from FHA loans, which demand a down payment of at least 3.5%. The USDA loan requires no down payment, which offers a significant financial advantage to eligible borrowers in designated rural communities.
Enter your location to find out if it qualifies for USDA rural housing loan?
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