FHA VS Conventional loan programs in Rockton, Winnebago County, Illinois

In 2026, the conventional loan limit in Rockton, within the county of Winnebago, IL, is $726,200, whereas the FHA limit for a single-family home is $472,030.

Make use of the Lendersa® Conventional loan calculator to compare today's leading rates among Conventional, FHA, and USDA. Determine the necessary income, credit, reserves, and documentation for qualification. This advanced tool allows you to view Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in choosing the best program for your financial situation in IL.

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Loan Limits and Down Payment Requirements for 2026 in Rockton, County of Winnebago, IL

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

This table is relevant for the following zip codes: 61072

Exploring Conventional and FHA Loan Options in Rockton, IL

Lendersa® aims to connect you with the best possible Conventional, USDA, or FHA loan quickly, without hassle. You can choose one of three starting points to match with potential lenders and programs.

Lendersa USDA loan request results and matches


  • Peace Mortgage Inc
  • 875 Feinberg Ct., Suite 103, Cary, IL, 60013
  • Don Elbert a mortgage banker offering all mortgage products including FHA, VA, Conventional and Jumbo. Serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state for the past 18 years. Don also a trusted mortgage advisor to many CPA’s and Financial planners in the area.

  • US LENDING SOLUTIONS
  • 255 N Sherman Ave, Suite 3, Madison, WI, 53704
  • Your personal mortgage goals are important to me and I'm happy to help you reach them. As a Senior Mortgage Specialist and Home Owner Mortgage Advisor with US Lending Solutions in Madison, WI, I work diligently to understand each and every client's needs. Through my 27 years experience in the financial world you can expect the results you deserve.

  • Apple River State Bank
  • 103 North Main Street, Apple River, IL, 61001
  • Apple River State Bank and our First Community Bank branch for your banking needs.

    As a community bank we provide a wide variety of financial services but delivered in a personalized manner only small banks can offer.

    Apple River State Bank was chartered in 1948 and opened in Apple River, Illinois which still remains a locally owned finan

  • US Lending Corporation
  • 6720 Frank Lloyd Wright Ave, Suite 104, Middleton, WI, 53562
  • US Lending Corporation works with more than 20 banks to find the right home loans for our clients’ needs. More lending choices mean better-fit loans.Today’s rules and regulations for lending could fill volumes, making it more important than ever that you work with an experienced lender who specializes in home loans.

  • One Community Bank
  • 8215 Greenway Blvd, Madison, WI, 53562
  • One Community Bank, a completely online lending service that makes getting a mortgage or home equity loan easier and faster than ever before. One Community Bank was built exclusively for the internet. It's as easy as 1-2-3 and takes just 15 minutes to apply! We provide you with an instant interest rate quote and review your application.

  • 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.

  • KCT Credit Union
  • 111 South Hawthorne Street, Elgin, IL, 60123
  • Chartered in 1937, KCT Credit Union was formed through the tireless efforts of Miss Martha Black, a teacher in the then Elgin Public Schools District, and Mr. E. Earl McCoy, then Kane County Superintendent of Schools. Since that day we have been dedicated to living the credit union philosophy of people helping people.

  • Avestar Credit Union
  • 125 W Madison Street, Waterloo, WI, 53594
  • Avestar Credit Union is committed to providing its members sound and dependable financial service. We will provide loans to the community in a prudent and sound manner in accordance with our written policy. Our members will receive a fair and competitive return on their investments while we maintain the financial stability of the credit union.

  • Sterling Federal Bank
  • 110 E 4th St, Sterling, IL, 61081
  • We’ve been serving families in Northwest Illinois (and, more recently, Northeast Iowa) since 1885. There were just 38 states when Sterling Federal Bank was born; Grover Cleveland was President of the United States; and our hometown of Sterling, IL was only about 50 years old.

    Sterling Federal is even older than the Federal Reserve Bank

  • The First National Bank in Amboy
  • 220 E. Main St, Amboy, IL, 61310
  • Based on the cornerstones of honesty, loyalty, teamwork, and longevity The First National Bank in Amboy has maintained a financially sound bank, earning adequate returns for stockholders while providing for its employees and giving back to the communities where they live and work.

  • Bank of Sun Prairie
  • 228 East Main Street, Sun Prairie, WI, 53590
  • Our Mission is to become the trusted advisor for families, businesses and the community offering a complete range of financial services. Our tailored customer centric approach enables flexibility and solutions that position our clients for success not only today, but every day in the future.

  • Educated Mortgage Services, LLC
  • 100 Wilburn Rd, Suite 102, Sun Prairie, WI, 53590
  • Educated Mortgage Services is a Mortgage Banker and Broker company licensed in Wisconsin & Illinois with an experienced staff offering expertise in every area of mortgage lending. We offer a full range of mortgage products to offer one stop shopping for all clients. We are dedicated to finding the right loan.