USDA VS FHA in West-Frankfort, Franklin County, IL

In 2025, the USDA loan limit in West-Frankfort, Franklin, IL is $285,000, while the FHA limit for a single-family home is $356,362.

Use Lendersa® USDA loan calculator to compare today's USDA vs. FHA best rates and understand the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in best suits your financial situation.

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2025 Loan Limits & Down Payment Requirements in West-Frankfort, Franklin, IL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in West-Frankfort, IL

Lendersa®'s goal is to secure the best USDA or FHA loan quickly and hassle-free. Choose one of three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request matching results

Understanding USDA Loans in IL

A USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or mortgage, is available in rural areas only. Unlike FHA loans requiring a 3.5% down payment, USDA loans require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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