USDA Vs. FHA your options comparison in Rock-Island, Rock Island County, IL
In 2026, the USDA loan limit for Rock-Island, in Rock Island, IL, is set at $285,000, while the FHA cap for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the best available rates between USDA and FHA options, determining necessary income, credit score, reserves, and documentation for eligibility. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loan options to help you make the best decision for your financial situation in Alabama.
Loan Limits and Downpayment Requirements in Rock-Island, Rock Island, IL for 2026
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Rock-Island, IL
Lendersa® focuses on quickly securing the best possible USDA or FHA loan for you effortlessly. Start with one of the three pathways that align you with financing options and the USDA loan programs.
USDA home loans are backed by the Department of Agriculture, commonly known as USDA rural development loans or USDA mortgages. They are specifically designed for rural areas and do not require a down payment, unlike FHA loans, which necessitate at least a 3.5% down payment.
Gas & Electric Credit Union proudly serves employees and retirees of MidAmerican Energy, the City of Rock Island, BITCO Insurance, Illinois Casualty Company, Rock Island Corps of Engineers, Friendship Manor, Rock Island Milan School District, Downtown Rock Island District Businesses and many other local, small businesses
Service Plus Credit Union is a full service financial institution in Moline, Illinois which was established in 1950. Membership is open to anyone who lives or works in Rock Island or Henry counties, IL. Big enough to Serve you, small enough to Know you. Credit Union is a full service financial institution in Moline
Moline Municipal Credit Union has been open since 1936. The credit union has assets totaling $53.04 Million and provides banking services to more than 3,000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans and other financial services to members.
Elevator Employees Credit Union was chartered on June 16, 1953 by the employees of Montgomery Elevator Company. Our first office was in the basement of the Montgomery Elevator Company in Moline, IL.
By the end of 1968 the credit union had grown to assets of $417,128.08. Membership was 581 members.
As an exclusive benefit to Deere employees and their families, Deere Employees Credit Union is focused on removing the frustrations of everyday banking and ALWAYS acting in the best interest of our members.
By constantly investing in our people and technologies, Deere Employees Credit Union is able to provide consistent
SENB Bank has proudly served the Quad Cities and neighboring communities since forming in 1961 and is approximately $370 million in assets. In 2019 the bank expanded into the Stateline (Roscoe/Beloit) region of Illinois and Wisconsin, with six banking centers serving Illinois, Iowa and Wisconsin.
At Illinois Lending, our goal is to offer you an affordable and flexible loan when you need it the most. We understand there are moments in life where you may need quick cash to give you more financial flexibility – it could be for medical costs, rent, home repairs, a large purchase.
Founded in 1934, our eight charter members were production line workers at the East Moline Works Plant. Open only three times a day during shift change, employees at the original office in the middle of the plant had to manage over the noise of the steel-wheeled trailers moving over the creosote floors.
"Ruhl Mortgage is a full-service mortgage banker with experienced staff, offering expertise in every area of mortgage lending - from purchase and refinance to even construction lending.
Ruhl Mortgage offers purchase and refinance loans, including FHA, VA, Rural Development loans, second home loans,"
