Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Illinois. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Illinois Guaranteed USDA Loan Limits

Area
1-4 Person Households
5-8 Person Households
Adams County, IL$272,000$357,000
Alexander County, IL SEA$272,000$357,000
Bloomington, IL HUD Metro FMR Area$323,000$417,000
Bond County, IL HUD Metro FMR Area$272,000$357,000
Brown County, IL$272,000$357,000
Bureau County, IL$272,000$357,000
Carroll County, IL$272,000$357,000
Cass County, IL$272,000$357,000
Champaign-Urbana, IL MSA$289,000$374,000
Chicago-Joliet-Naperville, IL HUD Metro FMR Area$306,000$408,000
Christian County, IL$272,000$357,000
Clark County, IL$272,000$357,000
Clay County, IL$272,000$357,000
Coles County, IL$272,000$357,000
Crawford County, IL$272,000$357,000
Cumberland County, IL$272,000$357,000
Danville, IL MSA$272,000$357,000
Davenport-Moline-Rock Island, IA-IL MSA$272,000$357,000
De Witt County, IL HUD Metro FMR Area$272,000$357,000
Decatur, IL MSA$272,000$357,000
DeKalb County, IL HUD Metro FMR Area$306,000$391,000
Douglas County, IL$272,000$357,000
Edgar County, IL$272,000$357,000
Edwards County, IL$272,000$357,000
Effingham County, IL$272,000$357,000
Fayette County, IL$272,000$357,000
Franklin County, IL$272,000$357,000
Fulton County, IL$272,000$357,000
Gallatin County, IL$272,000$357,000
Greene County, IL$272,000$357,000
Grundy County, IL HUD Metro FMR Area$323,000$417,000
Hamilton County, IL$272,000$357,000
Hancock County, IL$272,000$357,000
Hardin County, IL$272,000$357,000
Henderson County, IL$272,000$357,000
Iroquois County, IL$272,000$357,000
Jackson County, IL HUD Metro FMR Area$272,000$357,000
Jasper County, IL$272,000$357,000
Jefferson County, IL$272,000$357,000
Jo Daviess County, IL$272,000$357,000
Johnson County, IL$272,000$357,000
Kankakee, IL MSA$272,000$357,000
Kendall County, IL HUD Metro FMR Area$323,000$417,000
Knox County, IL$272,000$357,000
La Salle County, IL$272,000$357,000
Lawrence County, IL$272,000$357,000
Lee County, IL$272,000$357,000
Livingston County, IL$272,000$357,000
Logan County, IL$272,000$357,000
Macoupin County, IL HUD Metro FMR Area$272,000$357,000
Marion County, IL$272,000$357,000
Mason County, IL$272,000$357,000
Massac County, IL$272,000$357,000
McDonough County, IL$272,000$357,000
Montgomery County, IL$272,000$357,000
Morgan County, IL$272,000$357,000
Moultrie County, IL$272,000$357,000
Ogle County, IL$289,000$374,000
Peoria, IL MSA$272,000$374,000
Perry County, IL$272,000$357,000
Pike County, IL$272,000$357,000
Pope County, IL$272,000$357,000
Pulaski County, IL$272,000$357,000
Putnam County, IL$289,000$391,000
Randolph County, IL$272,000$357,000
Richland County, IL$272,000$357,000
Rockford, IL MSA$272,000$357,000
Saline County, IL$272,000$357,000
Schuyler County, IL$272,000$357,000
Scott County, IL$272,000$357,000
Shelby County, IL$272,000$357,000
Springfield, IL MSA$289,000$391,000
St. Louis, MO-IL HUD Metro FMR Area$289,000$374,000
Stephenson County, IL$272,000$357,000
Union County, IL$272,000$357,000
Wabash County, IL$272,000$357,000
Warren County, IL$272,000$357,000
Washington County, IL$289,000$374,000
Wayne County, IL$272,000$357,000
White County, IL$272,000$357,000
Whiteside County, IL$272,000$357,000
Williamson County, IL HUD Metro FMR Area$272,000$357,000
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