USDA Loans in Illinois

USDA LOAN BENEFITS IN ILLINOIS
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.

USDA LOAN ELIGIBILITY IN ILLINOIS
As a general rule, USDA Loans are available to residents who live in communities of less than 35,000 people. While areas like Chicago, Joliet, and Elgin are considered too large for a USDA Loan, many suburbs of these larger cities do qualify. To know for sure what areas do qualify for a USDA Loan, contact one of our agents today.

To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Illinois.

Income Limits for USDA Loans in Illinois

County Name Family Size 1 -4 Family Size 5 – 8
Adams $76,050 $100,400
Alexander $75,650 $99,850
Bond $75,650 $99,850
Boone $76,050 $100,400
Brown $76,050 $100,400
Bureau $76,050 $100,400
Calhoun $80,950 $106,850
Carroll $76,050 $100,400
Cass $76,050 $100,400
Champaign $82,650 $109,100
Christian $76,050 $100,400
Clark $76,050 $100,400
Clay $76,050 $100,400
Clinton $80,950 $106,850
Coles $76,050 $100,400
Cook $87,400 $115,350
Crawford $76,050 $100,400
Cumberland $76,050 $100,400
De Witt $76,050 $100,400
DeKalb $86,250 $113,850
Douglas $77,650 $102,500
DuPage $87,400 $115,350
Edgar $76,050 $100,400
Edwards $76,050 $100,400
Effingham $77,200 $101,900
Fayette $76,050 $100,400
Ford $82,650 $109,100
Franklin $76,050 $100,400
Fulton $76,050 $100,400
Gallatin $76,050 $100,400
Greene $76,050 $100,400
Grundy $93,500 $123,400
Hamilton $76,050 $100,400
Hancock $76,050 $100,400
Hardin $76,050 $100,400
Henderson $76,050 $100,400
Henry $76,500 $101,000
Iroquois $76,050 $100,400
Jackson $76,050 $100,400
Jasper $76,050 $100,400
Jefferson $76,050 $100,400
Jersey $80,950 $106,850
Jo Daviess $76,050 $100,400
Johnson $76,050 $100,400
Kane $87,400 $115,350
Kankakee $76,050 $100,400
Kendall $94,600 $124,850
Knox $76,050 $100,400
Lake $87,400 $115,350
LaSalle $76,050 $100,400
Lawrence $76,050 $100,400
Lee $76,900 $101,500
Livingston $78,050 $103,050
Logan $78,550 $103,700
Macon $76,050 $100,400
Macoupin $75,650 $99,850
Madison $80,950 $106,850
Marion $76,050 $100,400
Marshall $79,500 $104,950
Mason $76,050 $100,400
Massac $76,050 $100,400
McDonough $76,050 $100,400
McHenry $87,400 $115,350
McLean $94,600 $124,850
Menard $84,750 $111,850
Mercer $76,500 $101,000
Monroe $80,950 $106,850
Montgomery $76,050 $100,400
Morgan $76,050 $100,400
Moultrie $76,050 $100,400
Ogle $81,650 $107,800
Peoria $79,500 $104,950
Perry $76,050 $100,400
Piatt $82,650 $109,100
Pike $76,050 $100,400
Pope $76,050 $100,400
Pulaski $76,050 $100,400
Putnam $84,150 $111,100
Randolph $76,050 $100,400
Richland $76,050 $100,400
Rock Island $76,500 $101,000
Saline $76,050 $100,400
Sangamon $84,750 $111,850
Schuyler $76,050 $100,400
Scott $76,100 $100,450
Shelby $76,050 $100,400
St Clair $80,950 $106,850
Stark $79,500 $104,950
Stephenson $76,050 $100,400
Tazewell $79,500 $104,950
Union $76,050 $100,400
Vermilion $76,050 $100,400
Wabash $76,050 $100,400
Warren $76,050 $100,400
Washington $80,050 $105,650
Wayne $76,050 $100,400
White $76,050 $100,400
Whiteside $76,050 $100,400
Will $87,400 $115,350
Williamson $76,050 $100,400
Winnebago $76,050 $100,400
Woodford $79,500 $104,950

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