USDA Loan Vs. FHA loan for Troy, IL [ best of 2023]

In 2025, USDA loan limit in Troy, county of Madison, 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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USDA and FHA loan options in Troy, 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.

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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.

(585) 247-0724 703 miles Lender's profile and map Reviews St Pius Federal Credit Union 2998 Chili Avenue, Rochester, NY, 14624 St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
(585) 272-0020 703 miles Lender's profile and map Reviews Rochester Area State Employees Federal Credit Union 2300 Buffalo Road, Building 400B, Rochester, NY, 14624 Rochester Area State Employees Federal Credit Union has been open since 1935. The credit union has assets totaling $18.05 Million. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state, and local government employees.
(585) 247-1090 703 miles Lender's profile and map Reviews Gates Chili Federal Credit Union 2870 Buffalo Road, Rochester, NY, 14624 In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
(585) 775-9750 703 miles Lender's profile and map Reviews All NY Funding Inc 3900 Buffalo Road, Rochester, NY, 14624 "At All NY Funding Inc We’ll need some basic information to get started! Your name, mailing address, e-mail, phone number, and the property on which you hold collateral. It’s that simple to get started… We then do a quick look up to determine whether or not we can help you with your needs."
(762) 333-2790 703 miles Lender's profile and map Reviews Call A Friend Financial Services LLC 8003 Duffield Lane, Houston, TX, 77071 CAF Financial Services, LLC specializes in providing mortgage services to its clients, including home purchases, standard refinancing, debt consolidation home loans, FHA home mortgages, commercial mortgages, and much more. From pre-approval to closing, our team of mortgage specialists assists clients throughout the entire process.
(410) 461-2257 703 miles Lender's profile and map Reviews Howard County Education Federal Credit Union 3458 Ellicott Center Drive, Suite 106, Ellicott City, MD, 21043 In 2011, the HCTA Federal Credit Union petitioned NCUA to expand our charter from a Single Common Bond Charter to a Multiple Common Bond Charter. This allows us to offer membership to other entities in Howard County who are in some way affiliated with schools. Our first new membership group was the High School Students of HCPSS, beginning 2012.
(410) 505-7377 703 miles Lender's profile and map Reviews United Equity Lending LLC 5230 Harvey Lane, Ellicott City, MD, 21043 Our mission is to serve our customers with honesty, integrity, and transparency. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(717) 767-5551 703 miles Lender's profile and map Reviews First Capital Federal Credit Union 1601 Kenneth Road, York, PA, 17408 This credit union was originally established as the S. Morgan Smith Credit Union and incorporated under the laws of the Commonwealth of Pennsylvania on December 23, 1954. It became known as the Allis Chalmers Credit Union upon that company's acquisition of the S. Morgan Smith Company on April 1, 1959.
(607) 776-3684 703 miles Lender's profile and map Reviews Steuben Citizens Federal Credit Union 2 Wilson Avenue, Bath, NY, 14810 The NCUA chartered the VAC Employees CU in 1949. Originally for the VA medical center. The Credit Union is now known as Steuben Citizens Federal Credit Union. Anyone who works, lives, or worships in Steuben County!! VA medical center. The Credit Union is now known as Steuben Citizens Federal
(281) 335-8600 704 miles Lender's profile and map Reviews Custom Funding 3219 Maryfield Lane, Pearland, TX, 77581 Custom Funding Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
(281) 932-6642 704 miles Lender's profile and map Reviews Preferred Funding, LLC 2530 O'Day Rd, Pearland, TX, 77581 Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.