In the year 2026, the USDA loan limit for Paxton, situated in Ford County, IL, is defined as $336,500. Meanwhile, for a single-family home, the FHA limit stands at $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's competitive USDA vs. FHA rates, and find out the necessary income, credit scores, reserves, and documents needed for qualification. Through our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans displayed side by side, helping you choose the best-suited program for your financial situation 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® strives to efficiently secure the optimal USDA or FHA loan for you, swiftly and with ease. Pick one of three starting points to find matching lenders and USDA loan programs effectively.
A USDA home loan, sponsored by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and is specifically available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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