In 2026, the USDA loan limit in Holiday-Shores, within Madison County, IL, is $285,000, while the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the top rates available today for USDA and FHA, determining the income, credit score, reserves, and documentation required to qualify. Our comprehensive mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans to assist in deciding which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® strives to provide you with the best USDA or FHA loan quickly and without complications. Choose from three starting points to engage with lenders and explore USDA loan programs thoroughly.
The USDA home loan is backed by the U.S. government's Department of Agriculture and is also known as a USDA rural development loan or USDA mortgage. It is available exclusively in rural neighborhoods. USDA loans do not require any down payment, contrasting with FHA loans that require a minimum down payment of 3.5%.
Enter your location to find out if it qualifies for USDA rural housing loan?
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