USDA Vs. FHA Pro and Con comparison in Savanna, Carroll County, IL

In 2025, USDA loan limit in Savanna, county of Carroll, IL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Savanna, county of Carroll, IL

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Savanna, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Century Federal Credit Union
  • 4600 Rockside Road, Independence, OH, 44131
  • Century Federal Credit Union is a not-for-profit financial cooperative existing to serve its members. Credit unions, like Century Federal, are less likely to charge service fees than banks, that are for-profit institutions. We do not issue stock or pay earnings dividends to outside stockholders like other financial institutions.
  • NLC Loans
  • 4 Summit Park Drive, Suite 200, Independence, OH, 44131
  • NLC Loans support your personal goals and dreams so that you and your family can live the life you want and deserve. Whether you’re buying your first home, your next home, or refinancing, we’ve got your back. NLC Loans is a leading, full-service, residential mortgage lending and mortgage refinance company.
  • Liberty Home Mortgage Corporation
  • 6225 Oak Tree Blvd, Independence, OH, 44131
  • "Liberty Home Mortgage operates with a focus on a very simple goal - to lead the industry in customer satisfaction and to set a new standard by which our industry operates. Liberty Home Mortgage Representatives are available seven days a week. We even have a customer care line which current customers can call to get answers"
  • Commodore Bank
  • 100 East Main Street, Somerset, OH, 43783
  • Commodore Bank is a customer-driven banking institution that targets business owners, professionals, and residents within its service area. The bank emphasizes customer service by the ability to make decisions locally. The Bank’s structure positions customers directly with front-line personnel.
  • First Community Bank Arkansas
  • 1325 Harrison Street, 2nd Floor, Batesville, AR, 72501
  • First Community Bank is a locally owned and operated bank with a big heart for the communities we serve. Upon founding First Community Bank in 1997, we made a pledge to put community first in every decision we made. Our slogan "Where Community Comes First" is our commitment to be good community partners.
  • Citizens Bank
  • 655 St. Louis Street, Batesville, AR, 72501
  • Citizens Bank now exceeds assets of $1.1 billion and remains headquartered in Batesville, AR. Citizens Bank is a financial services organization committed to meeting the needs of the communities it serves. Our progressive community Banking model focuses on the delivery of exceptional customer service while employing advanced technology.
  • Ohio Catholic Federal Credit Union
  • 13623 Rockside Road, Garfield Heights, OH, 44125
  • Ohio Catholic Federal Credit Union isn't your typical financial institution. How do we stand out from the crowd? Your mission is our mission. Recognized as the largest faith-based, full-service credit union in Ohio, we have been trusted to help members achieve their financial goals for over 60 years while focusing on faith and education.
  • Emerald Credit Union
  • 13201 Granger Road, Suite 1, Garfield Heights, OH, 44125
  • Emerald Credit Union was originally chartered as the Garfield Heights School Employees’ Credit Union in 1955, serving only the employees of that school district. Since then, we have grown to include over 25 Select Employment Groups and six local school districts. We have a community charter, allowing us to serve all who live, work, attend school.
  • Sumner Bank & Trust
  • 780 Browns Lane, Gallatin, TN, 37066
  • Sumner Bank & Trust was organized in 2005 to fulfill a need in Sumner County for at true community bank owned by local shareholders. This large & diverse group of local owners, combined with a dedicated group of 17 organizers, provides a strong foundation for bank. We are proud to have a local board, which means decisions will always be made right.
  • Tri-Star Financial Group
  • 1300 Wentworth Drive, Gallatin, TN, 37066
  • At Tri-Star Financial Group, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available
  • Cambridge Mortgage Inc
  • 115-B East Main St, Gallatin, TN, 37066
  • The lending specialists at Cambridge Mortgage, Inc. are eager to help you secure the mortgage you need to make your home ownership dreams a reality. Since 1998, our BBB accredited team of lending professionals have helped thousands of home buyers become homeowners. Whether you need a fixed rate, adjustable rate, or balloon mortgage for your home.
  • Bank of Dickson Dickson
  • 466 Highway 46 South, Dickson, TN, 37056
  • The original seed of an idea began with eight men: Dr. R.P. Beasley, Dr. WA. Bell, Jr., E .F. Dennison, Glen Hamilton, Carney B. Nicks, Mark Wade, Wayne Sensing and Hugh Wynns. This group of visionaries believed in Dickson - after all, this was their home - but they also believed that increasing the availability