In 2026, the USDA loan limit within Virden, Macoupin County, IL, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
You can utilize the Lendersa® USDA loan calculator to analyze the best current rates for USDA versus FHA, allowing you to verify the income, credit score, reserves, and necessary documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loan options to help you decide which program 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% |
The goal at Lendersa® is to ensure you acquire the finest USDA or FHA loan swiftly and without unnecessary hassle. You can select from three suggested starting points that lead to matching lenders and USDA loan programs.
A USDA home loan, supported by the Department of Agriculture, is sometimes known as a USDA rural development loan or a USDA mortgage. It is specifically available to rural areas only. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans demand no down payment at all, providing a viable option for eligible borrowers looking to purchase in rural communities.
Enter your location to find out if it qualifies for USDA rural housing loan?
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