FHA Vs. USDA loan program for Wilmington, Will County, Illinois

In 2025, the USDA loan limit for Wilmington, which is situated in Will county, IL, is $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, determining the necessary income, credit reserves, and documents required to qualify. With our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA options side by side, aiding in your decision on which program in best suits your financial needs.

Explore USDA and FHA Loan Options in Wilmington, IL

Lendersa® aims to connect you quickly with the best USDA or FHA loan without hassle. Start with one of three pathways to match with lenders and find USDA loan programs that align with your needs.

Lendersa USDA loan request and matching results

What is a USDA Loan in IL?

A USDA home loan is backed by the U.S. Department of Agriculture, often called a USDA rural development loan or USDA mortgage. These are exclusive to rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans need no down payment, offering a significant benefit for eligible borrowers.

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(256) 314-1600 Lender's profile and map Reviews First Metro Bank 406 West Avalon Avenue, Muscle Shoals, AL, 35661 First Metro Bank has planted roots in our community since 1988. We’ve helped our Neighbors raise families, open businesses, and plan for the future. It is our way of doing business that separates us from the crowd, and allows our customers to know that they are far more than just a number.
(256) 383-9204 Lender's profile and map Reviews Listerhill Credit Union 4790 East 2nd Street, Muscle Shoals, AL, 35661 "Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community. In 1952, seven Reynolds Metals employees came together to combat the growing issue of predatory lending to other vulnerable plant workers. At the time, loan sharks would lend money with outrageous interest rates and sometimes never-ending terms."
(320) 632-9740 Lender's profile and map Reviews Pine Country Bank 1201 1st Avenue Ne, Little Falls, MN, 56345 Pine Country bank takes pride in providing our area businesses with the products and services you need to make your business successful. Whether your business is new or well-established, small or large, our business banking professionals get to know your business and work with you to meet your individual business needs.
(256) 468-5867 Lender's profile and map Reviews Bank Independent 710 S Montgomery Ave, Sheffield, AL, 35660 Bank Independent is a locally owned community Bank committed to making a positive difference in people's lives. We've served the financial needs of folks across North Alabama since 1947 and have grown to become a highly-rated and well-respected $2.1 billion Bank. We couldn't be where we are today without our team members
(865) 453-2650 Lender's profile and map Reviews SmartBank 2430 Teaster Ln, Suite 205, Pigeon Forge, TN, 37863 SmartBank emerged in January 2006, when long-time executive Bankers Bill Carroll and Billy Carroll decided to start the process of organizing a Bank with the image, values and service level that would become incomparable to any other Bank in the market. SmartBank opened its first office in January 2007
(320) 264-2161 Lender's profile and map Reviews Financial Security Bank 1011 Atlantic Ave, Kerkhoven, MN, 56252 When the bank opened in 1884, the founders had a clear vision: safeguarding people’s money so they could realize their dreams, & contributing to the community, making it a great place to live and work. In 1951, Russell Bauman joined the State Bank of Kerkhoven. He purchased the bank in 1976 & carried the vision forward with unwavering dedication.
(814) 226-6000 Lender's profile and map Reviews Clarion County Community Bank 333 Main Street, Clarion, PA, 16214 Clarion County Community Bank Provides Banks, Loans, Mortgage, Online Banking, Personal Banking, Business Banking, Mobile Banking to the Clarion, PA Area. Clarion County Community Bank is committed to ensure the safety of your financial information. We would like to remind you that e-mail messages are not secure.
(402) 528-3223 Lender's profile and map Reviews First Community Bank of Central 201 Main Street, POB 100, Beemer, NE, 68716 With a variety of financial services to meet your needs, First Community Bank is certain to have the solution you're looking for. Whether it's a checking account, a car loan, or a place to watch your money grow, our bank is the place for you. Locations in Beemer, Fremont, Bancroft & Homer Nebraska
(417) 623-9816 Lender's profile and map Reviews Joplin Metro Credit Union 3301 Texas Avenue, Joplin, MO, 64804 Joplin Metro Credit Union has been open since 1950. The credit union has assets totaling $46.41 Million and provides banking services to more than 5, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
(417) 626-8500 Lender's profile and map Reviews Great Plains Federal Credit Union 2306 S Range Line Road, Joplin, MO, 64804 Great Plains Federal Credit Union was formed in June 1950 at its former home office location outside Pittsburg, Kansas at the Jayhawk Plant. The original charter was under the name Spencer Chemical Employees Federal Credit Union and served employees of Spencer Chemical Company of Kansas City, Missouri.
(417) 782-7800 Lender's profile and map Reviews The Mortgage House, Inc. 2915 S. Main Street, Joplin, MO, 64804 The Mortgage House team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
(423) 336-4331 Lender's profile and map Reviews OMC Employees Credit Union 1186 Old Lower River Road NW, Charleston, TN, 37310 O.M.C. Employees Credit Union has been open since 1992. New member eligibility requires that the person be a permanent employee of Olin Corporation, Solenis, or the OMC Employees Credit Union. A member’s spouse, spouse’s parents, children, children’s spouse, siblings, parents, and grandchildren* are all eligible for membership.