As of 2025, the USDA loan limit in Mount-Vernon within Jefferson county, IL, is $285,000. For a single-family home, the FHA limit is $356,362.
Utilize the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates, determining the required income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA programs, guiding you in choosing the most suitable option for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa®'s objective is to efficiently provide you with an optimal USDA or FHA loan without hassle. Begin with one of three paths to connect with matching lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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