USDA VS FHA in Le-Roy, McLean County, IL

In 2026, the USDA loan ceiling for Le-Roy, located in McLean county, IL, is $285,000. In contrast, the FHA cap for a single-family residence is $356,362.

Make use of the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates, and assess the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you choose the most appropriate program in for your financial situation.

Explore loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Le-Roy, McLean County, IL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in Le-Roy, IL

The aim of Lendersa® is to quickly secure you the best USDA or FHA loan without the hassle. Begin with one of three starting paths to identify matching lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, is only available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



  • Texas National Bank
  • 4126 Crosspoint Blvd, Edinburg, TX, 78539
  • Texas National Bank has been serving the Rio Grande Valley since 1920 and prides itself on knowing the community – not just the needs of the community but the people living within that community as well.

    Known originally as First National Bank of Mercedes in 1920, the bank changed its name in 1985 to become Mercedes National Bank.

  • Afco Financial Corporation
  • 5217 So McColl Rd, Edinburg, TX, 78539
  • We are a group of individuals that are uniquely different, we share a common goal and the like-minded belief that we can change the face of real estate through knowledge, experience, hard work, technology, honesty, integrity and by and giving back to our community. We are NOT centered around a presentation or sales pitch

  • Wallstreet Wholesale Lender LLC
  • 3111 W Freddy Gonzalez, Suite 225, Edinburg, TX, 78539
  • "WallStreet Wholesale Lender LLC is designed to help borrowers with their Mortgage Loan. Our platform allows borrowers to obtain wholesale rates in a retail market.
    Our Loan Officer are Licensed and educated. We obtain the best loan officers in Texas. Our requirements are
    for our Loan Officers to be educated, resourceful."

  • ALTO Capital
  • 1031 N Miami Beach, Blvd, North Miami Beach, FL, 33162
  • At Alto Capital, we’re the private lender of choice in the U.S. for real estate investors and developers who need fast capital, clear terms, and a team that truly understands the business.

    With over 15 years of experience, Alto Capital is the premier lender connecting private capital with solid real estate investments across the United States.

  • Bridge Mortgage Bankers Inc
  • 998 NE 167th Street, Miami, FL, 33162
  • Bridge Mortgage Bankers and its all-star team of professionals are well known for putting the customer first. We have an outstanding reputation amongst the thousands of homebuyers we have served and our mortgage banking illuminates our blossoming success. As a mortgage banker, Bridge Mortgage Banking Loans can offer faster loan processing

  • Archmont Capital Lending
  • 5000 Island Estates Drive, Aventura, FL, 33160
  • Archmont Capital Lending, LLC

    Private Capital for Real Estate Investments for Florida & KY

    Kim Delaney helps borrowers navigate lending with clarity and care—connecting you to capital for purchases, bridge loans, multi-family. rentals, wholesale deals. Call 502-643-6581 or email [email protected] to get started.

  • Hard Money Lenders IO | Private Loans Lender | Florida
  • 15805 Biscayne Blvd, North Miami Beach, FL, 33160
  • HARD MONEY LENDERS IO IS A PRIVATE LENDING COMPANY LOCATED IN MIAMI, FLORIDA GIVING LOANS TO REAL ESTATE INVESTORS AND ENTREPRENEURS. WE SPECIALIZE IN OFFERING LOANS TO PROFESSIONAL REAL ESTATE INVESTORS FOR THEIR NON-OWNER OCCUPIED REAL ESTATE INVESTMENT. WE OFFER TAILOR-MADE LOANS TO SUIT YOUR SPECIFIC NEEDS.

  • Mister Loans
  • 3323 NE 163rd St STE 404, North Miami Beach, FL, 33160
  • Mister Loans recognizes the struggle many faces in acquiring fair, honest home mortgage loans. That’s why we aim to exceed expectations We strive above all else to simplify the loan application process and help our partners achieve their goals through fair and competitive mortgage financing options.

  • Hard Money Company
  • 18205 Biscayne Boulevard, Suite #2226, North Miami Beach, VA, 33160
  • The HardMoney Company has grown to a $100 mm company. Large in capacity, but offering loans of all sized ($50k - $5mm). Your loan -- large or small -- will be handled by senior executives and company owners.

    The founders, Gus Goldsmith & Jerry Bouchard, partners for over 25 years, have participated in several entrepreneurial ventures since 1988.