USDA Vs. FHA Pro and Con comparison in Maryville, Madison County, IL

For the year 2025, the USDA loan cap in Maryville, county of Madison, IL, stands at $336,500, while for an FHA loan, the cap for single-family homes is $472,030.

To find the best rates today, use the Lendersa® USDA loan calculator. It enables you to compare USDA vs FHA, determining the necessary income, credit rating, reserve amounts, and documentation to qualify. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA options, assisting you in choosing the most suitable program in tailored for your financial situation.

Browse loan offers from an array of 100 lenders

2025 Loan Caps and Down Payment Criteria in Maryville, County of Madison, 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 Maryville, IL

Lendersa® aims to connect you with the best USDA or FHA loans swiftly and with ease. Choose one of three available pathways that result in matched lenders and USDA loan selections.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

The USDA home loan, secured by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is specifically available in rural areas, unlike FHA loans which require a minimum down payment of 3.5%. The USDA option demands no down payment at all, providing a significant advantage.

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



  • Carolina Hard Money
  • 234 Johnston Street, Rock Hill, SC, 29730
  • Carolina Hard Money”, LLC is a commercial loan broker company serving the needs of the “Real Estate Investor” borrower (only) who are striving to build wealth and generate income for themselves and for their families. We offer “hard money rehab loans” for investors only in “North Carolina and South Carolina.
  • The Geo. D. Warthen Bank
  • 216 N. Harris St., Sandersville, GA, 31082
  • Shortly after returning from the Civil War, Mr. Geo. D. Warthen entered the mercantile business in partnership with Jeff A. Irwin, Sr. and began business in a building on West Haynes St. (Present location of The Hair Force). In 1871, a rear corner of the building was partitioned off
  • Citizens Bank of the South
  • 132 South Harris Street, Sandersville, GA, 31082
  • Citizens Bank of the South has changed considerably over the past several decades, CBOTS is committed to its loyal customers, prudent growth, and personal and professional service. We invite you to browse our newly branded website, visit any of our four convenient locations, or give our friendly customer services.
  • Mortgage Tech
  • 3001 Settlers Ct, Murrysville, PA, 15668
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending..from purchase to refinance to construction lending.We have access to a full range of mortgage sources & all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your needs.
  • PREMIER MORTGAGE CONSULTANTS LLC
  • 3134 Lillian Avenue, Murrysville, PA, 15668
  • Premier Mortgage Consultants, LLC, is a Licensed Pennsylvania Mortgage Broker focused on residential mortgage financing. Dave is devoted to building strong relationships with his customers by keeping them informed about their loans. His number one goal is customer satisfaction which he achieves by upholding the highest levels of knowledge
  • Resource One Credit Union
  • PO Box 660077, Dallas, TX, 75266
  • Since 1936, Resource One has been delighting members with over 60, 000 members worldwide today. Resource One was originally chartered on July 15, 1936, under the name of Sears Dallas Employees Federal Credit Union. Our mission was to fulfill the financial needs of the employees of the Catalog Order Plant of Sears, Roebuck,
  • Best Egg Personal Loans
  • PO Box 207865, Dallas, TX, 75320
  • Marlette Funding, through the consumer brand Best Egg, is a financial technology provider on a mission to find better ways to make money accessible to allow people to enjoy life. The team mixes decades of banking experience with deep customer knowledge and smart technology to deliver digital products, services.
  • Kendall Financial LLC
  • 3204 Long Prairie Road, Suite D, Flower Mound, TX, 75022
  • "Kendall Financial LLC is an independent, full service financial planning & investment advisory firm. Our independence allows us to provide products & services that are best for you, our client. Our mission is to help our clients make smart decisions regarding their money. Areas of Specialty: Investment Advisory Services Retirement Accumulation e
  • AKIN MORTGAGE, LLC
  • PO Box 601356, Dallas, TX, 75360
  • Stephan has worked in the real estate industry for 30 years.First as a Realtor, then as a home builder & for the past 20 years as a mortgage banker.Prior to becoming a mortgage banker, he was the vice president of marketing & architecture for one of the nations top 10 home builders during which time he won national awards for his marketing efforts.
  • Charlotte Fire Department Credit Union
  • 2121 Commonwealth Avenue, Charlotte, NC, 28205
  • Since 1936, the Charlotte Fire Department Credit Union has provided financial solutions to our members/owners. We are a not-for-profit financial cooperative, which means that our goal is to meet your needs with extraordinary personal service. Employees of the Charlotte Fire Department and their families, as well as volunteer firefighters