In 2026, the USDA loan limit for Algonquin, located in the county of McHenry, IL, is $336,500. Meanwhile, the FHA loan cap for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to contrast today's leading USDA and FHA rates, and analyze the income, credit score, reserves, and documentation required to qualify. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in determining the best choice for your unique financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to swiftly connect you with the best available USDA or FHA loans without complications. Choose one of three entry points to find matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, is available only in rural areas and is known as a USDA mortgage or USDA rural development loan. Distinct from FHA loans, which demand a minimum of 3.5% down payment, the USDA mortgage can be obtained with no down payment required.
Enter your location to find out if it qualifies for USDA rural housing loan?
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