In 2026, the USDA loan ceiling in Bellwood, located in Cook county, IL, is $0. For a single-family home, the FHA limit is $472,030.
Utilize Lendersa®'s USDA loan calculator to compare today's top rates for USDA versus FHA and determine the necessary income, credit, reserves, and documents to qualify. Employ our advanced mortgage calculator to view USDA, FHA, Conforming, and VA options side by side, aiding you in selecting which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to provide you with the optimal USDA or FHA loan quickly and without hassle. Begin with one of three paths that lead to matching lenders and USDA programs.
The USDA home loan, insured by the Department of Agriculture, also known as USDA rural development loan or USDA mortgage, is specifically for rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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