USDA VS FHA in Peoria-Heights, Peoria County, IL

In 2025, the USDA loan limit in Peoria-Heights, county of Peoria, IL, is $285,000. In comparison, the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you choose the best fit for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Peoria-Heights, County of Peoria, 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 Peoria-Heights, IL

Lendersa® aims to help you secure the best USDA or FHA loan efficiently and without trouble. Choose one of the three starting paths to connect with lenders and USDA loan programs that match your needs.

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Understanding USDA Loans in IL

A USDA home loan, backed by the Department of Agriculture and also referred to as a USDA rural development loan, is available only in rural neighborhoods. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans require no down payment, providing significant benefits to eligible borrowers.

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



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