USDA VS FHA in Johnston-City, Williamson County, IL
In 2026, the USDA loan limit for Johnston-City, located in the county of Williamson, IL, is $285,000. The FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today’s best rates for USDA vs. FHA loans, and assess the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, assisting in choosing the most suitable program for your financial needs, particularly in Alabama.
2026 Loan Limits and Downpayment Requirements in Johnston-City, County of Williamson, IL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring Options for USDA and FHA Loans in Johnston-City, IL
Lendersa® is committed to securing you the best USDA or FHA loan quickly and without hassle. Choose from three starting methods to link with lenders and discover USDA loan programs tailored to your needs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is exclusively available in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans do not require any down payment.
Southern Illinois Bank offers a comprehensive line of banking products with superior customer service. These products and services are offered through experienced, conscientious and conservative bank personnel who know their customer, their families and their needs. This kind of familiarity instills an extreme sense of customer loyalty.
The Williamson County Catholic Credit Union is a member owned financial cooperative.
We serve the Catholic communities in Williamson County by providing competitive loans and savings in a friendly atmosphere while maintaining long term financial stability.
St. Joseph's Credit Union of Marion was chartered on November 3, 1952
First Southern Bank realizes that we must earn the right to be your bank of choice. We take great pride in our customer service and combining that with the fact that we are a locally owned and managed Southern Illinois bank allows us to feel comfortable in asking to be your bank.
SIU Credit Union was founded in 1938 as Jackson County Teachers' Credit Union. Today, we serve 24 counties and many employer groups in southern Illinois. As a not-for-profit, member owned, financial cooperative, we believe in serving our membership instead of maximizing profits and Today, we serve 24 counties and many employer groups in southern Il
The Bank of Carbondale was originally chartered as the Vergennes State Bank in 1919, located on the corner of Hack Avenue and Main Street in Vergennes, Illinois.
In 1970, the charter was transferred and established as The Bank of Carbondale, with a Main Street location in downtown Carbondale. In January 1981,
The First National Bank of Murphysboro opened its doors for business on the 13th day of May, 1889. The Jackson County Bank, a private institution owned by Medar Lucier and Joseph VanCloostere, was purchased. The First National Bank then occupied their quarters on the south side of the square until 1891,
At Banterra, we’ve been proud to serve customers since 1975, providing local-style service from day one. We know that smart banking is about relationships and understanding our customer needs, and having an exceptional team on board to accomplish that. That’s why we’d like for you to get to know us, as well,
SouthernTrust Bank was organized in 2005 as a commercial state bank. The organizers had a strong desire to establish a community-minded financial institution that would service its local communities with personal service. SouthernTrust Bank is a locally owned financial institution with offices in Marion, Goreville, and Vienna, Illinois.
The Credit Union was officially founded March 30th, 1972 as the Vienna Correctional Center Credit Union. The name was changed in 2008 to the River to River Credit Union. The credit union was organized for employees working at the Vienna Correctional Center to have a place to save and borrow money.
