FHA VS Conventional loan in Rockford, Winnebago County, Illinois

In 2025, the conventional loan limit for Rockford, in Winnebago county, IL, is $726,200. For a single-family home, the FHA limit is set at $472,030.

The Lendersa® Conventional loan calculator helps you compare today's best rates among Conventional, FHA, and USDA loans. Evaluate the income, credit, reserves, and documents needed for qualification. Our advanced tool places Conforming Conventional loans alongside USDA, FHA, and VA options, so you can choose the best program for your financial situation in IL.

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Loan limits and downpayment requirements for 2025 in Rockford, Winnebago, IL

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

The above table is applicable to zip codes: 61114, 61109, 61108, 61104, 61107, 61101, 61103, 61102, 61105, 61106, 61110, 61125, 61126

Exploring Conventional and FHA loan options in Rockford, IL

The mission of Lendersa® is to secure for you the most suitable Conventional, USDA, or FHA loan quickly and seamlessly. Start with one of three options that guide you to the right lenders and programs.

View loan request and matching results from Lendersa USDA


  • Encore-Funding
  • 30100 Chagrin Boulevard, Suite 380, Cleveland, OH, 44124
  • Encore Funding is a private lending firm that offers alternative sources of capital to small and mid-size businesses. We invest in growth-oriented entrepreneurs who may not meet the strict requirements of conventional lending. Our team is backed with extensive experience in investment management, business development, risk assessment.
  • New Horizon Federal Credit Union
  • 180 Second Street SW, Barberton, OH, 44203
  • NEW HORIZON FEDERAL CREDIT UNION is a credit union located at 180 2nd St SW, Barberton, Ohio, United States. New Horizon FCU started as a credit union to help support the employees from Babcock and Wilcox. In 2013 New Horizon received it's community charter and now they can serve all of Summit County.
  • INTEGRITY FEDERAL CREDIT UNION
  • 971 Wooster Road West, Barberton, OH, 44203
  • Integrity Federal Credit Union has been open since 1935. The credit union has assets totaling $60.15 Million and provides banking services to more than 6, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • O'Bannon Bank
  • 1347 South Ash Street, Buffalo, MO, 65622
  • O’Bannon Banking Company was incorporated on November 20, 1905 as a Missouri State Bank with a mission of providing banking services with a personal approach to all of our customers, both business and individual. Our mission remains unchanged as we continue to provide "A Tradition of Personal Service” and a wide range of financial products.
  • Farmers National Bank of KY
  • 304 W Main St, Danville, KY, 40422
  • Farmers National Bank has a long, deep-rooted history as a financial institution. Since February 10, 1879, the bank has served customers in ways that earn their trust and loyalty. As it has helped generations of customers in the Bluegrass state achieve their goals, it is known as Your Lifetime Bank.
  • Ozark Federal Credit Union
  • 2438 Katy Lane, Poplar Bluff, MO, 63901
  • At Ozark Federal Credit Union we provide the large selection of checking, savings, investment & loan account options with low fees. OFCU is committed to community involvement and encouraging community development. For requests, please complete the Donation Request Form within six weeks of the event.
  • First Midwest Bank
  • 704 N Westwood Blvd, Poplar Bluff, MO, 63901
  • As a locally owned and managed community bank, we are efficient in responding to customer needs. We listen to each situation and offer appropriate solutions to help our customers meet their financial goals. We pride ourselves in our commitment to the communities in which we live, work and play and the loyalty of our employees to our organization.
  • First Missouri State Bank
  • 2910 Barron Rd, Poplar Bluff, MO, 63901
  • On July 3, 1912, our bank was established under the name State Bank of Fisk. The street on which the bank was originally located was eventually named Third Street. In 1953 the bank was relocated to 300 Second Street. The Second Street building continues to serve as a branch office today.
  • American Bank & Trust
  • 1302 Scottsville Road, Bowling Green, KY, 42102
  • American Bank & Trust We offer many home financing options, such as: conventional mortgage loans, VA mortgage loans, FHA mortgage loans, Rural Housing Development Loans, Construction loans and Home Equity Lines of Credit. To get started and apply online, visit our mortgage loans site.
  • MEYER MORTGAGE COMPANY
  • 1280 Fairway Street, Bowling Green, KY, 42102
  • Meyer Mortgage is one of the oldest, on-going lenders in Bowling Green. The key to our success is having established relationships within the industry and extensive knowledge of the market. Meyer Mortgage is proud to have remained steadfast to our principals during the most recent subprime mortgage crisis.
  • The First National Bank of Osakis
  • 211-213 Central Ave, Osakis, MN, 56360
  • Since 1903, First National Bank of Osakis has served as the lead financial organization in the Osakis Area community, providing customized guidance, resources, and products (checking, savings, money markets, certificates of deposits, individual retirement accounts, health savings accounts, residential mortgage loans, commercial Mortgage loan.