In the year 2025, the USDA loan cap in Urbana, located in Champaign, IL, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to compare current top rates between USDA and FHA options, assessing income, credit score, reserves, and necessary documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best suited program for your financial situation in
Explore loan offers from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is dedicated to helping you quickly acquire the best USDA or FHA loan available, free from hassle. Start with one of three pathways to find matched lenders and USDA loan programs.
The USDA home loan is guaranteed by the Department of Agriculture, alternatively termed as USDA rural development loan or USDA mortgage, and is designated for use in rural locations exclusively. In contrast to FHA loans that necessitate a minimum 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
|
|
|
|
|
|
|
|
|
|
|
|
Bridge Loan Guides
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
