USDA Loans in Illinois

With help from the United States Department of Agriculture, home buying in Illinois just got a little bit easier. Residents from all over the Prairie State, from Rockford to Carbondale, are discovering the advantages that a USDA Loan offers.

Illinois USDA Loans offer:

  • 100% Financed Mortgage, No Money Down,
  • No Monthly Mortgage Insurance for Illinois Residents
  • No Loan Amount Limitations
  • Available for Many Types of Illinois Homes

Illinois Areas that Qualify for a USDA Loan

Yes, major metropolitan areas do not qualify for USDA loans. But this does not mean that you should assume that the property you are considering purchasing is not USDA loan eligible.  In fact, you will probably be surprised at the number of Illinois areas that do qualify – some of which lie just outside of major cities.

Designed to stimulate growth in small or rural communities, Illinois areas that are eligible for a USDA Loan include:

  • Communities located outside of city limits
  • Communities with less than 20,000 people
Never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate are here to help, fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Illinois’s USDA Loan Income Limits by County

While applying for a Rural Development Loan with Consumer Real Estate is fast and easy, there are a few eligibility restrictions: These can include property location and credit history evaluation.

In addition to the above Illinois USDA Home Loan restrictions, eligibility is also determined by income limits. Your yearly income cannot exceed the limit set for your county:

County Name    

1-4 Person Households
(Guaranteed Loans)

5-8 Person Households 
(Guaranteed Loans)

QUINCY, IL-MO (MICRO)

ADAMS

$73,600

$97,150

CAPE GIRARDEAU-JACKSON, MO-IL (MICRO)

ALEXANDER

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

BOND

$73,600

$97,150

ROCKFORD, IL (MSA)

BOONE

$73,600

$97,150

NON-METRO

BROWN

$73,600

$97,150

OTTAWA-STREATOR, IL (MICRO)

BUREAU

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

CALHOUN

$73,600

$97,150

NON-METRO

CARROLL

$73,600

$97,150

NON-METRO

CASS

$73,600

$97,150

CHAMPAIGN-URBANA, IL (MSA)

CHAMPAIGN

$73,600

$97,150

TAYLORVILLE, IL (MICRO)

CHRISTIAN

$73,600

$97,150

NON-METRO

CLARK

$73,600

$97,150

NON-METRO

CLAY

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

CLINTON

$73,600

$97,150

CHARLESTON-MATTOON, IL (MICRO)

COLES

$73,600

$97,150

CHICAGO-NAPERVILLE-JOLIET, IL METROPOLITAN DIVISIO

COOK

$73,600

$97,150

NON-METRO

CRAWFORD

$73,600

$97,150

CHARLESTON-MATTOON, IL (MICRO)

CUMBERLAND

$73,600

$97,150

NON-METRO

DE WITT

$73,600

$97,150

CHICAGO-NAPERVILLE-JOLIET, IL METROPOLITAN DIVISIO

DEKALB

$73,600

$97,150

NON-METRO

DOUGLAS

$73,600

$97,150

CHICAGO-NAPERVILLE-JOLIET, IL METROPOLITAN DIVISIO

DUPAGE

$73,600

$97,150

NON-METRO

EDGAR

$73,600

$97,150

NON-METRO

EDWARDS

$73,600

$97,150

EFFINGHAM, IL (MICRO)

EFFINGHAM

$73,600

$97,150

NON-METRO

FAYETTE

$73,600

$97,150

CHAMPAIGN-URBANA, IL (MSA)

FORD

$73,600

$97,150

NON-METRO

FRANKLIN

$73,600

$97,150

CANTON, IL (MICRO)

FULTON

$73,600

$97,150

NON-METRO

GALLATIN

$73,600

$97,150

NON-METRO

GREENE

$73,600

$97,150

CHICAGO-NAPERVILLE-JOLIET, IL METROPOLITAN DIVISIO

GRUNDY

$73,600

$97,150

MOUNT VERNON, IL (MICRO)

HAMILTON

$73,600

$97,150

NON-METRO

HANCOCK

$73,600

$97,150

NON-METRO

HARDIN

$73,600

$97,150

BURLINGTON, IA-IL (MICRO)

HENDERSON

$73,600

$97,150

DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (MSA)

HENRY

$73,600

$97,150

NON-METRO

IROQUOIS

$73,600

$97,150

CARBONDALE, IL (MICRO)

JACKSON

$73,600

$97,150

NON-METRO

JASPER

$73,600

$97,150

MOUNT VERNON, IL (MICRO)

JEFFERSON

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

JERSEY

$73,600

$97,150

NON-METRO

JO DAVIESS

$73,600

$97,150

NON-METRO

JOHNSON

$73,600

$97,150

CHICAGO-NAPERVILLE-JOLIET, IL METROPOLITAN DIVISIO

KANE

$73,600

$97,150

KANKAKEE-BRADLEY, IL (MSA)

KANKAKEE

$73,600

$97,150

CHICAGO-NAPERVILLE-JOLIET, IL METROPOLITAN DIVISIO

KENDALL

$73,600

$97,150

GALESBURG, IL (MICRO)

KNOX

$73,600

$97,150

OTTAWA-STREATOR, IL (MICRO)

LA SALLE

$73,600

$97,150

LAKE COUNTY-KENOSHA COUNTY, IL-WI METROPOLITAN DIV

LAKE

$73,600

$97,150

NON-METRO

LAWRENCE

$73,600

$97,150

DIXON, IL (MICRO)

LEE

$73,600

$97,150

PONTIAC, IL (MICRO)

LIVINGSTON

$73,600

$97,150

LINCOLN, IL (MICRO)

LOGAN

$73,600

$97,150

DECATUR, IL (MSA)

MACON

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

MACOUPIN

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

MADISON

$73,600

$97,150

CENTRALIA, IL (MICRO)

MARION

$73,600

$97,150

PEORIA, IL (MSA)

MARSHALL

$73,600

$97,150

NON-METRO

MASON

$73,600

$97,150

PADUCAH, KY-IL (MICRO)

MASSAC

$73,600

$97,150

MACOMB, IL (MICRO)

MCDONOUGH

$73,600

$97,150

CHICAGO-NAPERVILLE-JOLIET, IL METROPOLITAN DIVISIO

MCHENRY

$73,600

$97,150

BLOOMINGTON-NORMAL, IL (MSA)

MCLEAN

$73,600

$97,150

SPRINGFIELD, IL (MSA)

MENARD

$73,600

$97,150

DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (MSA)

MERCER

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

MONROE

$73,600

$97,150

NON-METRO

MONTGOMERY

$73,600

$97,150

JACKSONVILLE, IL (MICRO)

MORGAN

$73,600

$97,150

NON-METRO

MOULTRIE

$73,600

$97,150

ROCHELLE, IL (MICRO)

OGLE

$73,600

$97,150

PEORIA, IL (MSA)

PEORIA

$73,600

$97,150

NON-METRO

PERRY

$73,600

$97,150

CHAMPAIGN-URBANA, IL (MSA)

PIATT

$73,600

$97,150

NON-METRO

PIKE

$73,600

$97,150

NON-METRO

POPE

$73,600

$97,150

NON-METRO

PULASKI

$73,600

$97,150

OTTAWA-STREATOR, IL (MICRO)

PUTNAM

$73,600

$97,150

NON-METRO

RANDOLPH

$73,600

$97,150

NON-METRO

RICHLAND

$73,600

$97,150

DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (MSA)

ROCK ISLAND

$73,600

$97,150

HARRISBURG, IL (MICRO)

SALINE

$73,600

$97,150

SPRINGFIELD, IL (MSA)

SANGAMON

$73,600

$97,150

NON-METRO

SCHUYLER

$73,600

$97,150

JACKSONVILLE, IL (MICRO)

SCOTT

$73,600

$97,150

NON-METRO

SHELBY

$73,600

$97,150

ST. LOUIS, MO-IL (MSA)

ST. CLAIR

$73,600

$97,150

PEORIA, IL (MSA)

STARK

$73,600

$97,150

FREEPORT, IL (MICRO)

STEPHENSON

$73,600

$97,150

PEORIA, IL (MSA)

TAZEWELL

$73,600

$97,150

NON-METRO

UNION

$73,600

$97,150

DANVILLE, IL (MSA)

VERMILION

$73,600

$97,150

NON-METRO

WABASH

$73,600

$97,150

GALESBURG, IL (MICRO)

WARREN

$73,600

$97,150

NON-METRO

WASHINGTON

$73,600

$97,150

NON-METRO

WAYNE

$73,600

$97,150

NON-METRO

WHITE

$73,600

$97,150

STERLING, IL (MICRO)

WHITESIDE

$73,600

$97,150

CHICAGO-NAPERVILLE-JOLIET, IL METROPOLITAN DIVISIO

WILL

$73,600

$97,150

MARION-HERRIN, IL (MICRO)

WILLIAMSON

$73,600

$97,150

ROCKFORD, IL (MSA)

WINNEBAGO

$73,600

$97,150

PEORIA, IL (MSA)

WOODFORD

$73,600

$97,150

 

Because of these sometimes detailed and overwhelming guidelines, Consumer Real Estate is here to guide you through the application process. Contact us today for details or to get started with your Illinois USDA Loan application.