Explore the differences! FHA VS Conventional loan programs in Fulton, Whiteside County, Illinois

In 2026, the loan limit for Conventional loans in Fulton, located in Whiteside county, IL, is $726,200, while the FHA limit for a single-family home is $472,030.

Compare today's best rates for Conventional, FHA, and USDA loans using the Lendersa® calculator. Determine your income, credit, reserves, and necessary documents. Our advanced tool shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you select the best program in IL for your needs.

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2026 Loan Limits and Down Payment Requirements in Fulton, Whiteside, IL

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

Applicable to zip codes: 61252

Conventional and FHA Loan Options in Fulton, IL

The aim of Lendersa® is to provide you with the best possible Conventional, USDA, or FHA loan swiftly and without difficulty. Choose from three starting paths to find matching lenders and programs.

Lendersa USDA loan request and matching results


  • Rock Valley Credit Union
  • 1201 Clifford Ave, Loves Park, IL, 61111
  • Rock Valley Credit Union is a full-service financial institution serving members since 1968. The credit union now serves approximately 13, 000 members. Our main office is located in Loves Park, IL with branch offices in Machesney Park and Rochelle. Rock Valley Credit Union currently serves

  • Farmers Savings Bank
  • 305 Doty Street, Mineral Point, WI, 53565
  • In 1917 Farmers Savings Bank was established to build on our heritage and meet the needs of our community, its businesses, and citizens. We pride ourselves on commitment to our communities through reinvestment. Our interdependent relationship with our communities is essential. Maintaining profit enables us to remain competitive and strong.

  • Waterman Bank
  • 248 W. Lincoln Hwy., Waterman, IL, 60556
  • Waterman Bank, originally founded as “Waterman State Bank” by Humphrey Roberts in 1891, has been a pillar of the local Waterman and surrounding Southern DeKalb County community for over 110 years. Roberts, with the help of his sons, crafted Waterman State Bank’s time-tested foundation.

  • Mount Vernon Bank and Trust Company
  • 206 First Street West, Mount Vernon, IA, 52314
  • "Mount Vernon Bank & Trust Company adheres to these values by providing personal and business banking customers the banking services they need with the quality service they deserve. Because Mount Vernon Bank & Trust Company works locally, financial decisions, large and small, can be made quickly to improve your banking experience.

    Mount Vernon

  • Bridge Community Bank
  • 302 Hwy 1 SE, Mount Vernon, IA, 52314
  • Community Bank with locations in Mechanicsville, Mount Vernon & Solon Iowa. Bridge Community Bank is happy to help you with all your banking needs, from deposit accounts, IRA, CDs, business products, commercial & personal loans, mortgage loans, to our BCB Investment Services. Along with banking business,

  • Exchange State Bank
  • 253 Broadway, Springville, IA, 52336
  • At The Exchange State Bank, we enjoy being a banking option for people from all walks of life. Serving the communities of Springville and Martelle and their surrounding areas, we work with customers with a variety of banking needs. The Exchange State Bank Offering a variety of banking services, from deposit accounts and online banking services.

  • Midwest BankCentre
  • 200 E Broadway, Monmouth, IL, 61462
  • Midwest Bank is proud to be a locally-owned, community bank. Our employees understand that the foundation of our business is built on the relationships we have with our customers. We serve the communities with courtesy, professionalism and integrity; our customers are our neighbors, friends and family.

  • Community National Bank
  • 311 N Main St, Monmouth, IL, 61462
  • Community National Bank in Monmouth is a Locally Owned Bank providing friendly and personalized service to the people and businesses in Monmouth, Illinois and the surrounding area. In January 1964 the community of Monmouth was shocked to learn that control of the Second National Bank had changed and the bank was being voluntarily liquidated.

  • Resource Bank
  • 555 Bethany Rd, Dekalb, IL, 60115
  • At Resource Bank, we believe the relationship between a bank and its clients should be based on a mutual trust; something that will last for years and benefit you for a lifetime. For more than a century, we’ve taken pride in giving you individual attention - from people who really care.

  • Teachers Credit Union WI
  • 2315 Prairie Avenue, Beloit, WI, 53511
  • Teachers Credit Union is a not-for-profit member owned organization. Our goal is to provide the best possible financial services to our members at competitive rates and to maintain the credit union’s long-term financial stability. Teachers Credit Union has been open since 1934. The credit union has assets totaling $30.71 Million.

  • First National Bank and Trust Company
  • 345 E Grand Avenue, Beloit, WI, 53511
  • First National Bank and Trust Company is a family-focused, community bank headquartered in Beloit, Wisconsin. Chartered in 1882, First National Bank and Trust has grown to be a leading financial services institution offering products and services for consumers and businesses, as well as trust, retirement services

  • Financial Plus Credit Union - Illinois
  • 800 Chestnut Street, Ottawa, IL, 61350
  • Financial Plus Credit Union is a financial cooperative, owned & operated by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts & money in turn is lent to other members. Every member of Financial Plus has one vote, regardless of how much has on deposit.