As of 2026, the USDA loan limit in Quincy, located in the county of Adams, IL, is set at $336,500. Comparatively, the FHA limit for a single-family residence is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's top rates for USDA and FHA loans. This tool helps determine the required income, credit score, reserves, and documents for eligibility. With our comprehensive mortgage calculator, you can see a side-by-side analysis of USDA, FHA, Conforming, and VA loans, aiding your choice of the best program for your financial needs 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 quickly secure you the most suitable USDA or FHA loan, minimizing hassle. Begin by selecting one of the three pathways that lead to matching lenders and USDA loan offerings.
The USDA home loan, supported by the government's Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is exclusively available within rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans are granted without the need for any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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