USDA VS FHA 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.
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