USDA Guaranteed Loans are the most popular rural development mortgage program in Illinois. Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.
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Search USDA Direct Loan Limits (for low income applicants)
This approach means that the maximum loan limits for Guaranteed Loans are variable, with Illinois USDA income limits playing a major role. Guaranteed Loan income limits across IL are listed below.
Illinois USDA Guaranteed Loan Income Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Adams County, IL | $86,850 | $114,650 |
| Alexander County, IL SEA | $86,850 | $114,650 |
| Bloomington, IL HUD Metro FMR Area | $105,350 | $139,050 |
| Bond County, IL HUD Metro FMR Area | $86,850 | $114,650 |
| Brown County, IL | $86,850 | $114,650 |
| Bureau County, IL | $86,850 | $114,650 |
| Carroll County, IL | $86,850 | $114,650 |
| Cass County, IL | $86,850 | $114,650 |
| Champaign-Urbana, IL MSA | $91,450 | $120,700 |
| Chicago-Joliet-Naperville, IL HUD Metro FMR Area | $102,500 | $135,300 |
| Christian County, IL | $86,850 | $114,650 |
| Clark County, IL | $86,850 | $114,650 |
| Clay County, IL | $86,850 | $114,650 |
| Coles County, IL | $86,850 | $114,650 |
| Crawford County, IL | $86,850 | $114,650 |
| Cumberland County, IL | $86,850 | $114,650 |
| Danville, IL MSA | $86,850 | $114,650 |
| Davenport-Moline-Rock Island, IA-IL MSA | $86,850 | $114,650 |
| De Witt County, IL HUD Metro FMR Area | $86,850 | $114,650 |
| Decatur, IL MSA | $86,850 | $114,650 |
| DeKalb County, IL HUD Metro FMR Area | $89,000 | $117,500 |
| Douglas County, IL | $86,850 | $114,650 |
| Edgar County, IL | $86,850 | $114,650 |
| Edwards County, IL | $86,850 | $114,650 |
| Effingham County, IL | $86,850 | $114,650 |
| Fayette County, IL | $86,850 | $114,650 |
| Franklin County, IL | $86,850 | $114,650 |
| Fulton County, IL | $86,850 | $114,650 |
| Gallatin County, IL | $86,850 | $114,650 |
| Greene County, IL | $86,850 | $114,650 |
| Grundy County, IL HUD Metro FMR Area | $98,100 | $129,500 |
| Hamilton County, IL | $86,850 | $114,650 |
| Hancock County, IL | $86,850 | $114,650 |
| Hardin County, IL | $86,850 | $114,650 |
| Henderson County, IL | $86,850 | $114,650 |
| Iroquois County, IL | $86,850 | $114,650 |
| Jackson County, IL HUD Metro FMR Area | $86,850 | $114,650 |
| Jasper County, IL | $86,850 | $114,650 |
| Jefferson County, IL | $86,850 | $114,650 |
| Jo Daviess County, IL | $86,950 | $114,750 |
| Johnson County, IL | $86,850 | $114,650 |
| Kankakee, IL MSA | $86,850 | $114,650 |
| Kendall County, IL HUD Metro FMR Area | $108,550 | $143,300 |
| Knox County, IL | $86,850 | $114,650 |
| La Salle County, IL | $86,850 | $114,650 |
| Lawrence County, IL | $86,850 | $114,650 |
| Lee County, IL | $86,850 | $114,650 |
| Livingston County, IL | $86,850 | $114,650 |
| Logan County, IL | $86,850 | $114,650 |
| Macoupin County, IL HUD Metro FMR Area | $86,850 | $114,650 |
| Marion County, IL | $86,850 | $114,650 |
| Mason County, IL | $86,850 | $114,650 |
| Massac County, IL | $86,850 | $114,650 |
| McDonough County, IL | $86,850 | $114,650 |
| Montgomery County, IL | $86,850 | $114,650 |
| Morgan County, IL | $86,850 | $114,650 |
| Moultrie County, IL | $86,850 | $114,650 |
| Ogle County, IL | $86,850 | $114,650 |
| Peoria, IL MSA | $88,400 | $116,700 |
| Perry County, IL | $86,850 | $114,650 |
| Pike County, IL | $86,850 | $114,650 |
| Pope County, IL | $86,850 | $114,650 |
| Pulaski County, IL | $86,850 | $114,650 |
| Putnam County, IL | $96,750 | $127,700 |
| Randolph County, IL | $86,850 | $114,650 |
| Richland County, IL | $86,850 | $114,650 |
| Rockford, IL MSA | $86,850 | $114,650 |
| Saline County, IL | $86,850 | $114,650 |
| Schuyler County, IL | $86,850 | $114,650 |
| Scott County, IL | $86,850 | $114,650 |
| Shelby County, IL | $86,850 | $114,650 |
| Springfield, IL MSA | $90,300 | $119,200 |
| St. Louis, MO-IL HUD Metro FMR Area | $93,500 | $123,400 |
| Stephenson County, IL | $86,850 | $114,650 |
| Union County, IL | $86,850 | $114,650 |
| Wabash County, IL | $86,850 | $114,650 |
| Warren County, IL | $86,850 | $114,650 |
| Washington County, IL | $86,850 | $114,650 |
| Wayne County, IL | $86,850 | $114,650 |
| White County, IL | $86,850 | $114,650 |
| Whiteside County, IL | $86,850 | $114,650 |
| Williamson County, IL HUD Metro FMR Area | $86,850 | $114,650 |
