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 $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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