FHA VS Conventional loan programs in 2025 for Cary, McHenry County, Illinois

In 2025, Convetional loan limit in Cary, county of McHenry, IL is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in IL is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Cary, county of McHenry, IL

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 60013

Conventional and FHA loan options in Cary, IL

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Gharibian Real Estate & Finance
  • 700 N Brand Boulevard, Glendale, CA, 91203
  • Gharibian Real Estate & Finance, has been in the finance industry for almost 30 years.we have helped thousands of clients in our community for their financing and real estate needs. In our financing department, we offer all types of residential and commercial real estate related loans, including but not limited to conventional, FHA, hard money, SBA
  • Fidelity Funding
  • 450 N Brand Blvd, FL 6, Glendale, CA, 91203
  • Fidelity Funding specializes in providing loans to almost every type of property, both residential and commercial. We arrange both lst, 2nd, and 3rd trust deeds, including home equity lines of credit. We provide Hard Money Loans, Alternative Financing Loans, Commercial Loans, Residential Purchase
  • Silver Spoon Properties & Lending
  • 450 N. Brand Blvd., Suite 600, Glendale, CA, 91203
  • Carlo Honanian is the Broker and President of Silver Spoon Investments. Carlo started off his career as a Vice President with Chase Bank in the early 1990s with extensive experience in residential and commercial loans, banking, compliance, human resources, sales, clients services,and branch management.
  • Imagination Age Mortgage Inc
  • 6800 Ne 59th Place, Portland, OR, 97218
  • We are dedicated to finding the best loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process – from application to closing and beyond.
  • Cali Home Lending: Dan Draitser
  • 11887 Valley View St, Garden Grove, CA, 92845
  • Dan Draitser Owner of Cali Home Lending, a mortgage banker and broker. A business model that enables funding of residential home loans with an in house warehouse line, and also the ability to broker out the more unconventional loans to over 65 different approved wholesale lenders.
  • Turn Time Mortgage
  • 6281 Santa Catalina Avenue, Garden Grove, CA, 92845
  • Turn Time Mortgage is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently
  • CalTerra Financial
  • 12792 Valley View Street, Suite 202, Garden Grove, CA, 92845
  • CalTerra Partners builds, customizes and grows a client’s real estate portfolio to accumulate wealth based on their individual short and long term goals. Our strategy is consumer focused and supports all aspects of a client's real estate needs, we 1) BuySell 2) FixList 3) FixFlip 4) Finance 5) Invest and 6) Manage Real Estate.
  • HomeSmart Advisors
  • 12842 Valley View Street, Suite 205, Garden Grove, CA, 92845
  • The HomeSmart Advisors team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Bakersfield City Employees Federal Credit Union
  • 2817 16th Street, Bakersfield, CA, 93301
  • Bakersfield City Employees Federal Credit Union was founded in 1936 to serve employees of the City of Bakersfield and their family members. We have grown in asset size and services since then, and we also now serve the employees of Golden Empire Transit and BNSF Railroad. If you are a city employee