USDA Loan Vs. FHA loan for Pontiac, IL [Livingston County Rates 2023]

In 2025, USDA loan limit in Pontiac, county of Livingston, IL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Get top 10
USDA LENDERS
customized to yout needes

USDA and FHA loan options in Pontiac, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(318) 445-5696 698 miles Lender's profile and map Reviews Alexandria Municipal Employees Credit Union 1032 Wisteria Street, Alexandria, LA, 71301 Alexandria Municipal Employees Credit Union was first authorized to do business in 1951. The By-Laws of this State Chartered Credit Union were adopted at the first Board of Directors Meeting held on January 10th, 1951. Alexandria Municipal Employees Credit Union remains committed to the long-established ideals of the Credit Union Movement.
(318) 445-7388 698 miles Lender's profile and map Reviews Cenla Federal Credit Union 708 Jackson Street, Alexandria, LA, 71301 Our mission is to provide financial services that are beneficial to anyone who lives, works, worships, or attends school in Catahoula, Grant, LaSalle, Rapides, & Winn Parishes, Vernon Parish school employees, & Union Tank Car Company employees. Cenla Federal Credit Union is committed to serving our members.
(318) 484-9817 698 miles Lender's profile and map Reviews District 08 FCU 3300 South MacArthur Drive, Alexandria, LA, 71301 District 08 State Highway Employees Federal Credit Union, Charter No. 14651 came to it's being after an Organization Certificate was prepared and signed on October 12, 1961 and approval received on the 31st day of October 1961. District 08 Federal Credit Union was chartered under federal law.
(318) 769-3330 698 miles Lender's profile and map Reviews Rapides General Hospital Employees Federal Credit Union 211 Fourth Street, 1st Floor, Alexandria, LA, 71301 In September 1952 a few concerned employees of the Baptist Hospital saw the need for a way to provide much needed financial services to their fellow workers. The credit union opened with 8 charter members as Baptist Hospital Employees Federal Credit Union. In March 1971 the name was changed to Rapides General Hospital Employees FCU.
(318) 442-9797 698 miles Lender's profile and map Reviews Southern Heritage Bank LA 701 4th St, Suite B, Alexandria, LA, 71301 Southern Heritage Bank is an independently owned community Bank with a concern for meeting the financial needs of the residents of Rapides, Catahoula, and LaSalle parishes. Southern Heritage Bank is currently celebrating 44 years of service to residents of Lasalle, Catahoula and Rapides Parishes!
(318) 561-4000 698 miles Lender's profile and map Reviews Red River Bank 1412 Centre Court Dr, Suite 101, Alexandria, LA, 71301 In 1999, a group of Louisiana community/business leaders founded Red River Bank on the ideals of community banking. Today we've grown to a statewide footprint, and that community commitment is stronger than ever. The origins of Red River Bank can be followed all the way back to the very heart of Louisiana. There, near the banks of the Red Rive
(318) 561-8020 698 miles Lender's profile and map Reviews Magnolia State Mortgage, LLC 1412 B Peterman Dr, Alexandria, LA, 71301 At Magnolia State Mortgage, LLC in Alexandria LA. We understand that situations such as your finances, your goals, are unique and you’re searching for Loan Programs that fit your needs. At Magnolia State Mortgage, meeting those specific needs with the right products and services is our commitment.
(214) 437-8600 698 miles Lender's profile and map Reviews Ntrust Lending, Inc. 7012 Gerrards Cross, Plano, TX, 75025 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.
(469) 363-3666 698 miles Lender's profile and map Reviews Texas Mortgage Mart 8008 Strecker Lane, Plano, TX, 75025 Texas Mortgage Financing I work with various lenders and will find a loan that best fits your needs & budget, gathering appropriate documentation throughout the process and provide full support to ensure a smoother loan closing process you can gain a better understanding of what’s available to you
(214) 644-0610 698 miles Lender's profile and map Reviews MTP Mortgage 10185 Custer Rd, Suite 300, Plano, TX, 75025 MTP Mortgage is a Texas Mortgage Broker based in Plano, Texas and serves clients purchasing or refinancing a home or commercial property located anywhere in Texas. We offer every loan program available and find the very best loan program for our clients’ unique situation and at very competitive interest rates and low fees.
(580) 225-2580 698 miles Lender's profile and map Reviews The First National Bank & Trust 2714 W. 3rd, Elk City, OK, 73644 On March 21, 1901, just nine short days after the first townsite lots for the new city of Elk City were sold, the Thurmond Brothers - E.K, A.L, O.H, A.N, and I.C. - formed the First National Bank of Elk City. The bank was started with $25,000.00 in capital. Since such meager beginnings, both Elk City