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 | $78,200 | $103,200 |
| Alexander | $78,200 | $103,200 |
| Bond | $78,200 | $103,200 |
| Boone | $78,200 | $103,200 |
| Brown | $79,550 | $105,000 |
| Bureau | $78,200 | $103,200 |
| Calhoun | $85,700 | $113,100 |
| Carroll | $78,200 | $103,200 |
| Cass | $78,200 | $103,200 |
| Champaign | $82,650 | $109,100 |
| Christian | $78,200 | $103,200 |
| Clark | $78,200 | $103,200 |
| Clay | $78,200 | $103,200 |
| Clinton | $85,700 | $113,100 |
| Coles | $78,200 | $103,200 |
| Cook | $90,850 | $119,900 |
| Crawford | $78,200 | $103,200 |
| Cumberland | $78,200 | $103,200 |
| De Witt | $81,100 | $107,050 |
| DeKalb | $86,250 | $113,850 |
| Douglas | $78,200 | $103,200 |
| DuPage | $90,850 | $119,900 |
| Edgar | $78,200 | $103,200 |
| Edwards | $78,200 | $103,200 |
| Effingham | $78,200 | $103,200 |
| Fayette | $78,200 | $103,200 |
| Ford | $82,650 | $109,100 |
| Franklin | $78,200 | $103,200 |
| Fulton | $78,200 | $103,200 |
| Gallatin | $78,200 | $103,200 |
| Greene | $78,200 | $103,200 |
| Grundy | $94,300 | $124,500 |
| Hamilton | $78,200 | $103,200 |
| Hancock | $78,200 | $103,200 |
| Hardin | $78,200 | $103,200 |
| Henderson | $78,200 | $103,200 |
| Henry | $79,150 | $104,500 |
| Iroquois | $78,200 | $103,200 |
| Jackson | $78,200 | $103,200 |
| Jasper | $78,200 | $103,200 |
| Jefferson | $78,200 | $103,200 |
| Jersey | $85,700 | $113,100 |
| Jo Daviess | $78,200 | $103,200 |
| Johnson | $78,200 | $103,200 |
| Kane | $90,850 | $119,900 |
| Kankakee | $78,200 | $103,200 |
| Kendall | $97,750 | $129,050 |
| Knox | $78,200 | $103,200 |
| Lake | $90,850 | $119,900 |
| LaSalle | $78,200 | $103,200 |
| Lawrence | $78,200 | $103,200 |
| Lee | $78,200 | $101,500 |
| Livingston | $78,400 | $103,500 |
| Logan | $78,550 | $103,700 |
| Macon | $78,200 | $103,200 |
| Macoupin | $78,200 | $103,200 |
| Madison | $85,700 | $113,100 |
| Marion | $78,200 | $103,200 |
| Marshall | $83,400 | $110,100 |
| Mason | $78,200 | $103,200 |
| Massac | $78,200 | $103,200 |
| McDonough | $78,200 | $103,200 |
| McHenry | $90,850 | $119,900 |
| McLean | $97,750 | $129,050 |
| Menard | $86,850 | $114,650 |
| Mercer | $79,150 | $104,500 |
| Monroe | $85,700 | $113,100 |
| Montgomery | $76,050 | $103,200 |
| Morgan | $78,200 | $103,200 |
| Moultrie | $78,200 | $103,200 |
| Ogle | $82,350 | $108,700 |
| Peoria | $83,400 | $110,100 |
| Perry | $78,200 | $103,200 |
| Piatt | $82,650 | $109,100 |
| Pike | $78,200 | $103,200 |
| Pope | $78,200 | $103,200 |
| Pulaski | $78,200 | $103,200 |
| Putnam | $84,150 | $111,100 |
| Randolph | $78,200 | $103,200 |
| Richland | $78,200 | $103,200 |
| Rock Island | $79,150 | $104,500 |
| Saline | $78,200 | $103,200 |
| Sangamon | $86,850 | $114,650 |
| Schuyler | $78,200 | $103,200 |
| Scott | $78,200 | $103,200 |
| Shelby | $78,200 | $103,200 |
| St Clair | $85,700 | $113,100 |
| Stark | $83,400 | $110,100 |
| Stephenson | $78,200 | $103,200 |
| Tazewell | $83,400 | $110,100 |
| Union | $78,200 | $103,200 |
| Vermilion | $78,200 | $103,200 |
| Wabash | $78,200 | $103,200 |
| Warren | $78,200 | $103,200 |
| Washington | $80,050 | $105,650 |
| Wayne | $78,200 | $103,200 |
| White | $78,200 | $103,200 |
| Whiteside | $78,200 | $103,200 |
| Will | $90,850 | $119,900 |
| Williamson | $78,200 | $103,200 |
| Winnebago | $78,200 | $103,200 |
| Woodford | $83,400 | $110,100 |
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