USDA Vs. FHA your options comparison in Lincoln, Logan County, IL

For 2025, the USDA loan limit in Lincoln, in Logan county, IL, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.

With Lendersa® USDA loan calculator, compare the leading rates for USDA vs FHA loans today, determining income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA side by side, assisting you in choosing the perfect program in for your financial needs.

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2025 Loan Limits and Down Payment Criteria in Lincoln, Logan, 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 Choices in Lincoln, IL

Lendersa®'s mission is to swiftly provide the best USDA or FHA loan without hassle. Choose from one of the three paths for matching lenders and accessing USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

The USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available for rural areas only. Unlike FHA loans that require a 3.5% minimum down payment, the USDA mortgage requires no down payment at all.

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



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  • RushFire Private Lending is a privately owned non-traditional real estate finance company powered by technology. We provide asset-based financing for real estate entrepreneurs wholesaling, developing, and rehabilitating real estate within the state of Utah. We focus on wholesale short-term, single-family residential rehab
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  • The Z Mortgage Team
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  • Next Level Home Loans
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