USDA Loan Vs. FHA loan for Rock-Falls, IL 2025

In the year 2025, the USDA loan limit in Rock-Falls, within Whiteside, IL, is $285,000, while for a single-family home, the FHA limit is $356,362.

Leverage the Lendersa® USDA loan calculator to evaluate today's prime USDA versus FHA rates. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans, aiding in identifying the best program in tailored to your financial needs.

Exploring USDA and FHA Loan Opportunities in Rock-Falls, IL

Lendersa® is committed to securing you the best USDA or FHA loan quickly and with minimal hassle. Start with one of three pathways to connect with lenders and tailored USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan, endorsed by the Department of Agriculture and often referred to as a USDA rural development loan or mortgage, is exclusively for rural neighborhoods. Unlike FHA loans that require a 3.5% down payment, USDA loans demand none.

Get top 10
USDA LENDERS
customized to yout needes

(217) 224-1093 Lender's profile and map Reviews United Community Credit Union 1001 Vermont Street, Quincy, IL, 62301 United Community Credit Union is a non-profit organization owned and operated by its members for the benefit of all who belong. Individuals living or working in the counties of Adams, Brown, Hancock, Pike, and Schuyler in Illinois and individuals living or working in Lewis, Marion, & Ralls counties in Missouri
(217) 223-4377 Lender's profile and map Reviews Members First Community Credit Union 1201 North 24th Street, Quincy, IL, 62301 Members First is a full service financial institution located in Quincy, IL. Liking our page gives you instant access to current events, promotions, and ready to launch products Members First is committed to the "People Helping People" philosophy, providing our community with safe, affordable, relevant financial services.
(217) 223-7300 Lender's profile and map Reviews Mercantile Bank 440 Maine St, Quincy, IL, 62301 Mercantile Bank was founded by local businessmen in Quincy, Illinois in 1906 and became part of United Community Bancorp, Inc. in 2013. Today, Mercantile, as United Community Bank, continues the tradition established a century ago of serving and supporting the financial needs of individuals, families, businesses, and organizations
(217) 223-0500 Lender's profile and map Reviews Central State Bank 900 S. 12th St, Quincy, IL, 62301 Central State Bank is a locally-owned community bank serving West-Central Illinois & Northeast Missouri with the latest technology, the quickest decision-making, & the simplest solutions for your personal, business, or agricultural banking needs. Central State Bank was originally chartered as Clayton State Bank in the small village of Clayton, IL.
(319) 273-2479 Lender's profile and map Reviews UNITE Credit Union 802 West 29th Street, Cedar Falls, IA, 50613 UNITE Credit Union provides financial services to employees, students, alumni and families of the University of Northern Iowa and Cedar Falls Community School District. Members also include employees, retirees and families of MidAmerican Energy, Greco Financial and Nagle Signs. UNITE is federally insured by the National Credit Union Association.
(319) 266-7531 Lender's profile and map Reviews Cedar Falls Community Credit Union 123 W 4th Street, Cedar Falls, IA, 50613 CFCCU was originally chartered in 1958 as a member-owned financial co-operative serving the needs of a local machinists union. Membership was extended to other groups of employees over the years until in 1982, CFCCU received a community charter. Our current field of membership includes individuals who live or work in 7 Iowa counties.
(573) 767-5264 Lender's profile and map Reviews Bank of Monticello 201 East Lafayette, Monticello, MO, 63457 Bank of Monticello is a Community Bank located in Northeast Missouri. Our Company was organized by local shareholders in 1928 to meet the needs of the families & businesses of Monticello, Missouri & the surrounding communities. While many things have changed over the years, our commitment to the Communities that we serve is stronger than ever.
(563) 382-9661 Lender's profile and map Reviews Decorah Bank and Trust Co 202 East Water Street, Decorah, IA, 52101 Established in 1935 during the depression by a small group of concerned citizens. Today we are a 2nd and 3rd generation family owned bank that is able to think differently because we're not owned by outside investors at a far-away headquarters. By being family and employee owned we're able to be uniquely responsive to customer and community needs.
(217) 832-2631 Lender's profile and map Reviews Villa Grove State Bank 10 N Main St, Villa Grove, IL, 61956 Villa Grove State Bank opened for business on November 1, 1919. Our story began at 10 N. Main Street in Villa Grove, in what was then known as the Combs building and had been previously occupied by the Morrison Grocery Store, and we are still there today to serve our customers and community. As the bank has continued to grow
(608) 457-2100 Lender's profile and map Reviews River Bank 145 North Main Street, Stoddard, WI, 54658 River Bank was formed on June 30, 1991 when three banks located along the Mississippi River in Stoddard, Ferryville and DeSoto were merged together. In September 1993, in an effort to better serve our La Crosse customers, a branch office was opened on Mormon Coulee Road. In November 1996, River Bank expanded its service to the Holmen/Onalaska area.
(217) 665-3321 Lender's profile and map Reviews Scott State Bank 101 West Main St., Bethany, IL, 61914 Scott State Bank, originally named The Exchange Bank, was established in 1887. A. R. Scott, the founder, had an iron safe in his mill office and a number of his customers would leave money in it for safekeeping. He also cashed grain checks, and in this manner he “drifted” into the banking business.