USDA VS FHA in Olney, Richland County, IL

In 2025, the USDA loan limit for Olney in Richland, IL is $336,500, whereas the FHA limit for a single-family home is $472,030.

Employ the Lendersa® USDA loan calculator to compare today's optimal USDA vs. FHA rates and determine the necessary income, credit status, reserves, and documents for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in selecting the most suitable program for your financial needs in .

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2025 Loan Limits & Downpayment Requirements in Olney, Richland, 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 Options in Olney, IL

The objective of Lendersa® is to secure you the best USDA or FHA loan swiftly and without hassle. Begin with one of three pathways to match with lenders and appropriate USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that demand a 3.5% down payment, USDA loans require none.

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



  • O1NE MORTGAGE INC
  • 9267 Haven Ave, Suite 255, Rancho Cucamonga, CA, 91730
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Your Darling Lender
  • 10444 Timberlane Way, Santee, CA, 92071
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Casa Financial Services, Inc
  • 9560 Cuyamaca Street, Suite 101, Santee, CA, 92071
  • Casa Financial Services, Inc are the small, family owned, military family, guy next door, working man, LOCAL brokerage just down the street. No huge buildings, no board of directors calling the shots, no share holders screaming for profit margins, no big government bailouts to boost the bottom line, with combined 40+ years experience.
  • Griggs Mutual Realty & Management
  • 6080 Hamner Avenue, Suite 103, Eastvale, CA, 91752
  • At Griggs Mutual Realty & Management, the ultimate goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come. The Griggs Mutual Realty & Management Team is your premier mortgage company located in Eastvale, California.
  • LendSure Mortgage Corp.
  • 12230 World Trade Drive, Suite 250, San Diego, CA, 92128
  • "Headquartered in San Diego, California, LendSure Mortgage Corp. was founded in 2015 to help mortgage professionals better serve their clientele by offering a wider range of programs to meet their needs. LendSure offers a comprehensive range of Non-QM loan programs for borrowers that don’t fit conforming guidelines. Our loan programs include:"
  • Financial Cornerstone, Inc
  • 16776 Bernardo Center Drive, Suite 203, San Diego, CA, 92128
  • At Financial Cornerstone, Inc., we strive to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
  • Advantage Mortgage
  • 17353 Graciosa Court, San Diego, CA, 92128
  • Founded in 2002, Advantage Mortgage is a service oriented real estate mortgage brokerage owned and operated by Richard G. "Buck" Hite. Buck Hite has been a licensed real estate and mortgage broker for over 30 years. His experience and knowledge are invaluable in successfully navigating the real estate transaction.
  • Platinum Mortgage & Realty San Diego
  • 16476 Bernardo Center Dr, Suite 127, San Diego, CA, 92128
  • Platinum Mortgage is all about the relationship we build with our clients, it all begins & ends with our clients.We will take the utmost care to ensure that our clients goals are exceeded & there financial health is always in a better place when they use services. Platinum Mortgage has the knowledge, experience & wherewithal to structure your loan
  • Blue Horizon Property
  • 11956 Bernardo Plaza Dr, Suite 135, San Diego, CA, 92128
  • Our Mission is to earn the trust of our clients through performance of professional hard work and dedication to achieve our clients goals; whether Selling, buying or obtaining the best Mortgage Rate and and Term for your next Purchase or Refinance. We aim to be our clients best choice.
  • America Choice Mortgage, Inc
  • 11828 Rancho Bernardo Road, Suite 201, San Diego, CA, 92128
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Source Capital Funding, Inc.
  • 11770 Bernardo Plaza Court, Suite 205, San Diego, CA, 92128
  • Source Capital has funded hundreds of millions of dollars in loans secured by real estate. As a direct, licensed private hard money lender, our clients can count on us to deliver fair terms and fund quickly. We work with all types of borrowers and understand even the most complex scenarios.
  • Source Capital Funding
  • 11770 Bernardo Plaza Court, Suite 205, San Diego, CA, 92128
  • Founded in 2007 and headquartered in San Diego, California, Source Capital Funding, a hard money lender that specializes in the underwriting and funding of commercial and residential hard money real estate loans in California, Arizona Oregon, and Minnesota.Source Capital has a diverse background in real estate, sales and corporate finance.