USDA VS FHA in Joliet, Will County, IL

As of 2026, the USDA loan limit in Joliet, Will County, IL is $336,500, while the FHA limit is $472,030 for single-family homes.

Utilize Lendersa®'s USDA calculator to contrast current USDA and FHA rates, discovering the required income, credit, reserves, and documents for qualification. Our advanced calculator lets you view USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the ideal fit for your finances in .

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2026 Loan Limits & Down Payment Requirements in Joliet, Will, IL

Loan Type Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Joliet, IL

Lendersa®'s aim is to efficiently secure you the best USDA or FHA loan. Choose one of the three options to connect with matching lenders.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

The USDA home loan, backed by the Department of Agriculture, also called the USDA rural development loan, is only available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans demand no down payment, offering a significant advantage for eligible buyers.

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



Joliet Lenders

  • NuMark Credit Union
  • 1654 Terry Drive, Joliet, IL, 60436
  • Lends in Illinois
  • NuMark’s mission is to enrich the financial lives of our members. NuMark Credit Union offers a full menu of financial services from mortgage and auto loans to free checking accounts and business services. We remain dedicated to putting our members first, treating them like family and helping them do more with their money.

  • First Bank of Manhattan
  • 230 South State Street, Manhattan, IL, 60442
  • Lends in Illinois
  • The First Bank of Manhattan has been providing high quality, full service personal and business banking services to Manhattan and our neighboring communities of New Lenox, Elwood, Wilmington and Wilton Center.
    The bank offers a full range of deposit products such as Checking, savings, CD’s, IRA’s, children’s and teen’s accounts.

  • New Century Federal Credit Union
  • 291 Springfield Avenue, Joliet, IL, 60435
  • Lends in Illinois
  • The credit union was founded in 1936 as Joliet Wireco Credit Union. Over the years, we have developed and have merged with other credit unions to unite as one strong credit union. As of today, New Century FCU has grown to be a credit union providing services to over 4,500 members and totaling assets of more than $50 million dollars.

  • Peak Choice Capital, LLC
  • 601 Silver Creek Drive, Joliet, IL, 60431
  • Lends in Illinois
  • Your home for real estate financing. Multi-Family and Single Family financing. We keep the process simple so you can focus on growing your business.

    We focus on our experience to achieve the best results. Our investment rental property programs are suited specifically for investors only. Here are a few of the perks we offer for single family ren

  • Rental Property Lending Group of America, Inc
  • 12533 Surrey Ct, Mokena, IL, 60448
  • Lends in Illinois
  • Our main goal is to help real estate investors grow their rental portfolios sooner rather than later. We offer a one stop shop program to acquire and rehab property with a line of credit that can be termed out with NO value seasoning up to 75% of fair market value. This strategy will allow you to recycle the same money over and over again.

  • MBLO Funding Inc
  • 11104 Front Street, Unit 2D, Mokena, IL, 60448
  • Lends in Illinois
  • Joseph Siwinski started MBLO Funding with the goal of making the mortgage process both simple and transparent. Joseph understand that buying a home or refinancing a home is an emotional time and that no two loans are alike. My primary focus is to provide you with a simple process that is easy to understand and offers you the lowest rate possible.

  • Smart Mortgage Center - Patty Harrison
  • 16151 S Lincoln Highway, Plainfield, IL, 60586
  • Lends in Illinois
  • Smart Mortgage Centers is a Better Business Bureau A+ rated Mortgage Company. We are a family owned and operated business helping the community obtain mortgages for purchase and refinancing since 1997. At Smart Mortgage Centers, we work with over 30 of the top lenders in the industry to help find you the best rate

  • Town Center Bank
  • 20181 S Lagrange Road, Frankfort, IL, 60423
  • Lends in Illinois
  • Town Center Bank is looking for a customer service specialist. We are looking for friendly, enthusiastic, self-driven individuals to join our team! Responsibilities for these individuals include processing customer requests and transactions, cash handling, account opening and closing, and providing accurate and friendly customer service

  • Canals & Trails Credit Union
  • 838 S State Street, Lockport, IL, 60441
  • Lends in Illinois
  • Canals & Trails Credit Union was established in 1959 as Lockport Schools Credit Union. As the community of Lockport grew and the population expanded, Lockport Schools Credit Union changed its name to Tri-Township Schools Federal Credit Union. In addition to serving school districts in Lockport, Romeoville, Bolingbrook, Crest Hill, Homer Glen