USDA and FHA Pro and Con in Sumner, Lawrence County, IL
In 2025, the USDA loan limit in Sumner, located in Lawrence county, IL, is $336,500. Meanwhile, the FHA limit for a single-family home is set at $472,030.
Use the Lendersa® USDA loan calculator to contrast the top rates for USDA and FHA loans today. It helps you evaluate income, credit score, reserves, and documents necessary for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, ensuring you find the best fit for your financial situation in .
2025 Loan Limits and Downpayment Essentials in Sumner, Lawrence County, IL
Loan Type
Limit
Minimum Down
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Opportunities in Sumner, IL
Lendersa® aims to provide the best USDA or FHA loans quickly and without hassle. You can choose from three starting routes to connect with lenders and explore USDA programs.
A USDA home loan, guaranteed by the government via the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans require no down payment at all.
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