USDA Vs. FHA Pro and Con comparison in Macomb, McDonough County, IL

In 2025, USDA loan limit in Macomb, county of McDonough, IL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Macomb, county of McDonough, 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 Macomb, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Wellspring Credit Union
  • 150 E Roundbunch Road, Bridge City, TX, 77611
  • At Wellspring Credit Union, we strive to create an experience you will remember. Our goal is to provide members with exceptional financial service each and every time they visit. Wellspring Credit Union is a not-for-profit financial cooperative. This means when you become a member of the credit union, you become a shareholder.
  • Temple Santa Fe Community Credit Union
  • 1750 W Avenue A, Temple, TX, 76504
  • The team at Temple Santa Fe Community Credit Union want to turn your dreams and wishes into plans and doing. We offer products you want and need, like saving and checking accounts, credit cards, and loans. We go above and beyond by providing you with financial coaching, educational tools, and programs that will help you
  • Police Federal Credit Union
  • 9100 Presidential Parkway, Upper Marlboro, MD, 20772
  • The Police Federal Credit Union, headquartered in the Washington, D.C. metropolitan area, is a full service, not-for-profit, financial institution that has been committed to protecting the financial interests of members of the law enforcement community and serving their financial needs since 1935.
  • Neches Federal Credit Union
  • 676 Magnolia Avenue, Port Neches, TX, 77651
  • Neches Federal Credit Union has a deep history with roots that have been serving members of Southeast Texas since the early 1940’s. Just as the Neches River connects and links our neighboring cities, Neches FCU is the heartbeat of financial service, touching and strengthening our community.
  • MCT Credit Union
  • 2736 Nall St, Port Neches, TX, 77651
  • MCT Credit Union Sprout is the online personality of MCT Credit Union, based out of Port Neches, Texas. By members choice, this institution is not federally insured, but privately insured by American Share Insurance. Credit Union, based out of Port Neches, Texas. By members choice, this institution is not federally insured
  • Trinity Mortgage Group, LLC
  • 116 Scrimshaw Drive, Chester, VA, 23836
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Rosedale Federal Savings & Loan Association
  • 6810 York Road, Baltimore, MD, 21212
  • Rosedale Federal has deep roots in the Baltimore area and we’re proud to be part of the communities we serve. Our purpose remains the same: to help our neighbors with everyday finances and affordable home loans. The bank is still a mutual association, owned by its depositors, not a group of investors and shareholders.
  • SOUTHERN MORTGAGE LENDING, INC.,
  • 6652 West Park Ave., Houma, LA, 70364
  • Our mission is to serve our customers with honesty integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • 5Point credit union
  • 3700 Skyline Drive, Nederland, TX, 77627
  • In 1935, 5Point was born as a credit union intended to support the men and women who worked for The Texas Company. What started as a small community endeavor with 57 members and $247 in total savings has grown in ways its founders could not have imagined. Today, 5Point is one of the largest independent not-for-profit financial institutions.
  • Crystal Clear Mortgage
  • 18001 Highway 105 W, Suite 109, Montgomery, TX, 77356
  • Crystal Clear Mortgage was founded in 2008 by Bryan Ward and Adam Simmons with a principle goal of making the home buying process "Crystal Clear". Our company prides itself on being upfront and honest with our customers. We maintain transparency with our customers and real estate agents from start to finish during the loan process.
  • Scott & White Employees Credit Union
  • 2401 South 31st Street, Temple, TX, 76508
  • Scott & White Employees Credit Union (SWECU) was chartered in 1962 by the employees of Scott & White. The Credit Union is state chartered and regulated by the Texas Credit Union Department. Deposits are federally insured up to $250, 000.00 per account by NCUSIF, which is regulated by the National Credit Union Administration
  • Texell Credit Union
  • PO Box 983, Temple, TX, 76503
  • Texell Credit Union is a not-for-profit financial cooperative founded in 1948. With over 130+ employees, Texell serves over 40, 500 members through digital service platforms and nine Central Texas branches. Texell offers a wide range of financial services to its members, and performs competitor research weekly to ensure it