In 2025, the USDA loan limit for a single-family home in the Mahomet, located in Champaign county, IL, is $336,500, whereas the FHA loan reaches a limit of $472,030.
Use the Lendersa® USDA loan calculator to effectively compare today's top USDA and FHA rates. Determine the necessary income, credit, reserves, and documents needed to meet eligibility. With our advanced mortgage calculator, you can juxtapose USDA, FHA, Conforming, and VA loans side-by-side, aiding in your decision for the best financial 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® aims to quickly connect you with the best USDA or FHA loan options available, without any hassle. Select from three starting points, each designed to help you find matching lenders and appropriate USDA loan programs.
The USDA home loan, commonly known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture. It is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage is accessible with no down payment, enhancing affordability for qualifying applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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