In 2025, the USDA loan limit for Mount-Zion, located in Macon county, IL, is set at $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to assess the best current rates between USDA and FHA loans. Determine what income, credit, reserves, and documentation are required to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA side by side, helping you decide which program in is best suited to your financial situation.
2025 Loan Limits and Down Payment Requirements in Mount-Zion, Macon County, IL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Mount-Zion, IL
The aim of Lendersa® is to provide you with the best USDA or FHA loan quickly and without hassle. Choose from one of three starting points to connect with lenders and USDA loan programs that match your needs.
A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage. This is available exclusively in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment, offering significant benefits to eligible borrowers.
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