In 2026, the USDA loan limit for Rosewood-Heights, located in Madison, IL, is $285,000. Conversely, the FHA limit for a single-family home is set at $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's premier USDA and FHA rates, evaluating the necessary income, credit standing, reserves, and documents to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® strives to secure the optimal USDA or FHA loan for you promptly, without hassle. Choose from three starting options that lead to finding matching lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available exclusively in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans don't need any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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