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