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USDA loans in Illinois

Quick answer

USDA loans in Illinois offer 0% down for moderate-income buyers purchasing in eligible rural and suburban areas, with a 1% upfront and 0.35% annual fee.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

USDA loan snapshot for Illinois

ItemEstimate
Minimum down payment0%
Minimum credit scoreTypically 640 for automated approval
Typical IL home value$250,500
3.5% down on typical home$8,768
20% down on typical home$50,100
Avg. effective property tax2.07%/yr (~$432/mo)
Income for typical home (31% rule)$88,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Illinois programs pair with USDA loans?

  • IHDAccess Forgivable: Down payment assistance forgiven monthly over 10 years.
  • IHDAccess Deferred: A 0% deferred loan repaid when you sell, refinance or pay off the mortgage.
  • IHDAccess Repayable: A larger assistance amount repaid monthly over 10 years.

Details and current limits: Illinois Housing Development Authority (IHDA).

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in Illinois cities

ChicagoAuroraJolietNapervilleRockfordElginSpringfieldPeoriaWaukeganChampaignCiceroBloomingtonSchaumburgEvanstonArlington HeightsBolingbrookDecaturPalatineSkokieDes PlainesOrland ParkOak LawnBerwynMount ProspectTinley ParkWheatonOak ParkNormalHoffman EstatesDowners GroveGlenviewPlainfieldElmhurstLombardBuffalo GroveMolineBellevilleRomeovilleBartlettDeKalbCrystal LakeCarol StreamPark RidgeQuincyStreamwoodWheelingUrbanaCarpentersvilleHanover ParkRock IslandAddisonOswegoCalumet CityNorthbrookWoodridgeGlendale HeightsSt. CharlesO'FallonElk Grove VillagePekinMundeleinNorth ChicagoGurneeNilesHighland ParkAlgonquinGalesburgLake in the HillsBurbankDanvilleLansingGlen EllynHuntleyMcHenryWilmetteNew LenoxRound Lake BeachChicago HeightsOak ForestVernon HillsBataviaGranite CityEdwardsvilleWoodstockLockportWest ChicagoAltonMorton GroveHomer GlenMelrose ParkBelvidereZionKankakeeWestmontCollinsvilleSouth ElginElmwood ParkRolling MeadowsFreeportBlue IslandLisleLoves ParkMaywoodMachesney ParkRoselleEast PeoriaVilla ParkBloomingdaleYorkvilleDarienCarbondaleGenevaMontgomerySouth HollandDoltonPark ForestEast MolineGrayslakeLibertyvilleFrankfortMokenaHarveyCrest HillLake ZurichEvergreen ParkHomewoodBrookfieldLake ForestDeerfieldOttawaMattesonAlsipRound LakeBensenvilleNorth AuroraBellwoodEast St. LouisSycamoreFranklin ParkShorewoodPalos HillsBourbonnaisCaryGodfreyLemontJacksonvilleCharlestonCahokia HeightsHinsdaleMarionBridgeviewWestchesterMortonCountry Club HillsMattoonFairview HeightsLa GrangeWashingtonProspect HeightsBradleyNorridgeDixonMacombMorrisAntiochChathamHickory HillsSterlingSwanseaMount VernonLindenhurstWarrenvilleChicago RidgeShilohMidlothianWaucondaForest ParkBeach ParkWood DaleChannahonGlen CarbonHazel CrestCantonLincolnWestern SpringsLa Grange ParkLincolnwoodMinookaRichton ParkNorthlakeRantoulWinnetkaJusticeKewaneeStreatorHerrinEffinghamCentraliaPalos HeightsPlanoRiver ForestPontiacSchiller ParkMarkhamTaylorvilleBurr RidgeColumbiaWaterlooBarringtonSummitTroyRoscoeFox LakeWorthCampton HillsGages LakeCrestwoodPingree GroveRiverdaleRiver GroveLyonsManhattanWood RiverHighland

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of Illinois qualify; check a specific address on the USDA eligibility map.

Often yes. Illinois Housing Development Authority (IHDA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.