USDA Vs. FHA your options comparison in Lawrenceville, Lawrence County, IL
As of 2025, the USDA loan cap in Lawrenceville, within Lawrence county, IL, is $336,500, whereas for a single-family home, the FHA cap is $472,030.
Utilize the Lendersa® USDA loan calculator to explore today's most favorable rates between USDA and FHA, and discover the required income, credit score, reserves, and documents needed for qualification. With our advanced mortgage tool, assess USDA, FHA, Conforming, and VA programs side by side to decide which option in best fits your financial situation.
2025 Loan Limits and Down Payment Requirements in Lawrenceville, Lawrence County, IL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Lawrenceville, IL
Lendersa® aims to swiftly secure the best USDA or FHA loan for you without any hassle. Pick any of the three starting steps to connect with lenders offering USDA loan programs.
A USDA loan, also known as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and is offered in rural areas only. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA loans require no down payment, presenting a significant advantage for eligible rural borrowers.
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