USDA Loan Vs. FHA loan for Jacksonville, IL 2026

In the year 2026, the USDA loan cap in Jacksonville, within the county of Morgan, IL, stands at $336,500, whereas for a single-family residence, the FHA limit is $472,030.

Utilizing the Lendersa® USDA loan calculator allows you to compare the most favorable USDA and FHA rates available today, and ascertain the necessary income, credit, reserves, and paperwork for qualification. Our sophisticated mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the most suitable option for your financial scenario in Alabama.

USDA & FHA Loan Options in Jacksonville, IL

The aim at Lendersa® is to swiftly and easily connect you with the best USDA or FHA loans available. Choose from three starting points to align with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan is an option guaranteed by the U.S. Department of Agriculture, also called a USDA rural development loan or USDA mortgage, offered exclusively in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans do not require any down payment.

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(217) 479-4000 Lender's profile and map THE FARMERS STATE BANK AND TRUST COMPANY 200 West State Street, Jacksonville, IL, 62650 Lends in Illinois The Farmers State Bank and Trust Company has been proudly serving the Morgan County Community for over 100 years. The Farmers State Bank and Trust Company was organized in 1910 under a charter issued by the State of Illinois. Upon subscribing the necessary capital, a group of prominent businessmen.
(217) 997-5585 Lender's profile and map The First National Bank of Arenzville 110 S Charles, Arenzville, IL, 62611 Lends in Illinois The First National Bank of Arenzville has been a strong and stable presence in the West Central Illinois Banking Community since it was first established as the “People’s Bank of Arenzville” in 1882. The bank was privately held until 1908 when it was granted a national charter and officially became “The First National Bank of Arenzville.
(217) 476-3325 Lender's profile and map West Central Bank 400 East Buchanan Street, Ashland, IL, 62612 Lends in Illinois West Central Bank proudly continues its tradition as a Community Bank. Officers, board members, and staff are very active in local civic, economic development, fraternal and religious organizations; they are a vital part of the communities that we serve. West Central Bank operates branches in Ashland, Beardstown, Rushville, and Springfield.
(217) 452-3041 Lender's profile and map Petefish, Skiles & Co. 102 West Beardstown Street, Virginia, IL, 62691 Lends in Illinois On August 1st, 1870, the private banking firm of Petefish, Skiles & Co. Bank opened its doors for business in Virginia, IL. Samuel H. Petefish, Ignatius Skiles and Jacob Epler, all prominent local businessmen, started the firm with Richard Elliott as cashier. Mr. Epler retired after the first year and George Virgin was admitted to the firm.
(217) 488-6091 Lender's profile and map Warren-Boynton State Bank 702 West Illinois Street, New Berlin, IL, 62670 Lends in Illinois The mission of the Warren-Boynton State Bank is to serve its customers and communities by remaining a strong and stable community bank focused on providing high quality financial products and personal service and also Warren-Boynton State Bank marked 140 years of service as a locally owned and independent community bank.
(217) 323-4105 Lender's profile and map The First National Bank 300 Washington, Beardstown, IL, 62618 Lends in Illinois For over 100 years, that’s how banking has been at The First National Bank of Beardstown, Murrayville & Winchester. We’re dedicated to helping you in any way we can with a full line of financial products delivered by caring, experienced professionals. Thank you for choosing us for your financial needs.
(217) 833-2329 Lender's profile and map Farmers National Bank of Griggsville 108 W Quincy, Griggsville, IL, 62340 Lends in Illinois Plans to form the Farmers National Bank of Griggsville began in May of 1942 by a group of local business men and citizens. Stock was solicited and by October 1942 $40, 000.00 was sold. An application for the charter was granted in December of 1942. On February 13, 1943 the doors of the new bank were opened.
(877) 698-3278 Lender's profile and map Bank of Springfield 3400 Wabash Ave, Springfield, IL, 62711 Lends in Illinois BOS is a bank and financial services provider with branches in Springfield, Chatham, Jacksonville, Quincy, Staunton, Glen Carbon, Swansea, and Shiloh, Illinois and Brentwood, Missouri. Visit our website for a full list of locations and hours. https://www.bankwithbos.com/locations.php
(217) 993-6260 Lender's profile and map Prairie State Bank and Trust 3751 W Wabash, Springfield, IL, 62711 Lends in Illinois Prairie State Bank & Trust is a community Bank with over $700 million in total assets, over 150 employees and 20 Bank locations throughout central Illinois. Prairie State Bank & Trust is the successor to a group of smaller community Banks acquired as early as 1968. We merged these Banks together over the past 20 years.