USDA and FHA Pro and Con in Johnston-City, Williamson County, IL

In 2025, 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.

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2025 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.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in IL

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



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