FHA VS Conventional loan programs in 2025 for Chicago-Ridge, Cook County, Illinois

In 2025, the conventional loan limit for Chicago-Ridge, located in Cook county, IL, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.

Lendersa® offers a Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit level, reserves, and documentation for qualification. Our advanced mortgage calculator presents Conforming Conventional loans, USDA, FHA, and VA side by side, aiding you in selecting the program in IL that best suits your financial agenda.

Compare loan offers from over 100 lenders

2025 Loan Limits and Down Payment Requirements in Chicago-Ridge, Cook County, IL

Loan Type Limit Down Payment
Conventional Conforming $647,200 3%
USDA $0 0%
FHA $420,680 3.5%

These limits are applicable to the zip codes: 60415

Exploring Conventional and FHA Loan Options in Chicago-Ridge, IL

The mission of Lendersa® is to swiftly secure the best Conventional, USDA, or FHA loans without hassle. Choose from one of three starting points to match with lenders and loan programs effectively.

Lendersa USDA loan request results


  • EClick Lending
  • "2001 Spring Road Suite 200", Oak Brook, IL, 60523
  • eClick Lending is an online mortgage company designed to help you achieve your mortgage goals at your convenience. As a division of Midwest Equity Mortgage, you can rest assured eClick Lending has the backing of an established mortgage company with a strong foundation of experience, commitment and customer service
  • Mortgage Resource Group
  • 6821 W North Ave, Suite 201, Oak Park, IL, 60302
  • Mortgage Resource Group has earned the reputation among homeowners, attorneys, realtors, accountants and financial planners as a truly professional organization staffed with experienced, caring and knowledgeable people. We provide mortgage loans on single family homes, condominiums, and 2-4 unit apartment buildings.
  • Rental Property Lending Group of America, Inc
  • 12533 Surrey Ct, Mokena, IL, 60448
  • Our main goal is to help real estate investors grow their rental portfolios sooner rather than later. We offer a one stop shop program to acquire and rehab property with a line of credit that can be termed out with NO value seasoning up to 75% of fair market value. This strategy will allow you to recycle the same money over and over again.
  • MBLO Funding Inc
  • 11104 Front Street, Unit 2D, Mokena, IL, 60448
  • Joseph Siwinski started MBLO Funding with the goal of making the mortgage process both simple and transparent. Joseph understand that buying a home or refinancing a home is an emotional time and that no two loans are alike. My primary focus is to provide you with a simple process that is easy to understand and offers you the lowest rate possible.
  • Central Credit Union
  • 1001 Mannheim Road, Bellwood, IL, 60104
  • Since 1936, Central Credit Union has been a trusted, not-for-profit resource for financial services, education and advice. Because we're member owned, If you're looking for a safe, secure local alternative to your bank in the greater Chicago area, it's time to bring your business to Central Credit Union.
  • Illiana Financial Credit Union
  • 1600 Huntington Drive, Calumet City, IL, 60409
  • Illiana Financial was organized in 1936 by a small group of employees working at Illinois Bell Telephone Company, a subsidiary of American Telephone & Telegraph (A.T.&T.). These volunteers formed the credit union with the philosophy of helping each other by pooling their resources together in order to loan money to each other in times of need.
  • E-Finance Mortgage LLC
  • 948 West Madison Street, Suite CE, Chicago, IL, 60607
  • E-Finance Mortgage is a conscientious devotee of humble service to our clients, offering convenient & low priced home mortgage services for purchase & refinance of the American dream of owning a home.We are focused on becoming the 1st choice in the markets we serve through integrity, exceedingly high business ethics & valuable social responsibility
  • Stateside Private Capital, Inc.
  • 1016 W. Jackson Blvd., Chicago, IL, 60607
  • 50 States Capital, Inc. is a firm that engages capital resources that invest in Hard Money Loans that are asset based (real estate, AR, equipment and Intellectual Properties), Business Loans (Unsecured and Secured), Note Acquisitions, Joint Ventures, Real Estate Investments and Mergers & Acquisitions.
  • Coda Financial Group Inc
  • 2421 75th St, Woodridge, IL, 60517
  • Coda Financial Group Inc have a 30+ Years of Experience Residential, Investment, and Commercial Loans Setting the pace Helping our clients through the real estate buying process and also we 30+ Years of Experience. Residential, Investment, and Commercial Loans Setting the pace. Helping our clients through the real estate buying process.
  • Home Mortgage Solutions Inc
  • 6825 Hobson Valley Drive, Suite 201, Woodridge, IL, 60517
  • We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process. Our website offers a variety of online application options.
  • Northpoint Capital
  • 566 West Lake Street, Suite 220, Chicago, IL, 60661
  • NorthPoint Capital Group is a major commercial mortgage banking group of companies specializing in originating and servicing quality mortgage loans for real estate owners and our institutional lenders. We strive to provide our borrower clients with loans on the most competitive terms structured to meet the requirements of our borrowers and lenders.