In 2026, the USDA loan limit for Sterling in the county of Whiteside, IL is set at $336,500, while for a single-family home, the FHA threshold is $472,030.
Utilize the Lendersa® USDA loan calculator to examine today's optimal rates between USDA and FHA, determining necessary income, credit, reserves, and documents for eligibility. Our advanced mortgage calculator facilitates a side-by-side comparison of USDA, FHA, Conforming, and VA programs, helping guide your decision in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to efficiently secure you the best available USDA or FHA loans without unnecessary hurdles. Choose one of three starting points that align you with appropriate lenders and USDA loan plans.
The USDA home loan, sanctioned by the government via the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, is accessible only in rural zones. In contrast to FHA loans that demand a minimum of 3.5% down payment, the USDA loan does not require any down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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