As of 2026, the USDA loan limit in South-Beloit, county of Winnebago, IL is set at $285,000, whereas the FHA limit for a single-family dwelling is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. It determines the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding you in deciding which 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® seeks to provide you with the most suitable USDA or FHA loan quickly and without hassle. Choose one of three starting points to find matching lenders and USDA programs tailored to your needs.
A USDA home loan, backed by the government through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Contrary to FHA loans requiring a 3.5% down payment, the USDA mortgage mandates no down payment, offering significant advantages for eligible applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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