In 2026, the USDA loan limit set in Madison, within the county of Madison, IL, is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Evaluate the income, credit, reserves, and necessary documentation to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA programs side by side, helping identify which option 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® aims to connect you with the optimal USDA or FHA loan swiftly and efficiently. Choose one of three methods to find matching lenders and USDA loan offerings tailored for you.
The USDA home loan, guaranteed by the U.S. government Department of Agriculture, also termed as USDA rural development loan or mortgage, is dedicated to properties in rural areas alone. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage necessitates no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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