USDA Vs. FHA your options comparison in Buffalo-Grove, Cook County, IL

In 2026, the USDA loan limit in Buffalo-Grove, within Cook, IL is $0, whereas the FHA limit for a single-family house is $379,500.

Use the Lendersa® USDA loan calculator to compare current top USDA and FHA rates, assessing the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator lets you review USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program in for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Buffalo-Grove, Cook, IL

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $379,500 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Buffalo-Grove, IL

The goal of Lendersa® is to efficiently match you with the ideal USDA or FHA loan. Choose from three starting options to connect with lenders and USDA loan programs.

Lendersa USDA loan request and match results

Understanding USDA Loans in IL

A USDA home loan, backed by the Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage, and it is available only in rural areas. Unlike FHA loans which require a minimum of 3.5% down payment, a USDA loan has no down payment requirement.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Leaf Funding Mortgage
  • 1188 Bishop St, Honolulu, HI, 96813
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products and mortgages. Through our website you can submit a complete on-line and secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators.

  • Ohana First Mortgage
  • 1164 Bishop Street, Suite 1213, Honolulu, HI, 96813
  • Gary has a long standing career in the banking and mortgage industry in Hawaii. He was the top producer for City Bank Hawaii for three straight years before forming his own company, Ohana First Mortgage. Gary has personally closed over 1,100 transactions for over $500,000,000 in loan volume in Hawaii.

  • MYERS CAPITAL HAWAII
  • 841 Bishop Street, Suite 2100, Honolulu, HI, 96813
  • For over 20 years, Myers Capital has delivered the most competitive interest rates, many times .25% -.5% lower than any bank or lending institution. The equation is simple, with high quality loan requests, borrowers are considered low risk, therefore the lowest interest rates and closing costs can be offered.

  • Kama'aina Mortgage Group Inc.
  • 500 Ala Moana Blvd, , Suite 427A, Honolulu, HI, 96813
  • Kama'aina Mortgage Group, we are committed to ethical and honest lending. It is our priority to build a relationship with our clients to ensure the best financing option with the most value. Whether you are purchasing your first home, or you are a seasoned buyer looking to cash out equity, you have landed at the perfect place!

  • Hawaiian Financial Federal Credit Union
  • 1138 N King Street, Honolulu, HI, 96817
  • Hawaiian Financial Federal Credit Union formed out of an idea from Mutual Telephone Company employees. On October 22, 1936, 65 employees signed on as charter members with assets totaling $2,517, calling themselves Mutelco Oahu Employees Federal Credit Union.

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  • Hawaii Federal Credit Union
  • 1244 Kaumualii St, Honolulu, HI, 96817
  • Chartered in 1937, eight employees worked together to help start the employer-based Honolulu Construction and Draying Employees Federal Credit Union. Thanks to a strong commitment to make banking easy and enjoyable for its employees and members, HC & D EFCU had steady growth. In 1978, the credit union changed its name to HC & D

  • Hawaii National Bank
  • 45 N King St, Honolulu, HI, 96817
  • Hawaii National Bank opened its doors on Sept. 19, 1960, to the sound of 10, 000 firecrackers in Honolulu’s Chinatown neighborhood. By the day’s end, the bank had taken in $6.25 million in deposits, a national record for any first-day deposits for a new bank. From this auspicious start, Hawaii National Bank grew.

  • American Savings Bank Hawaii
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  • American Savings Bank Hawaii is a bank with operations in one state. American Savings Bank Hawaii offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, HomeReady and construction mortgages American Savings Bank is a great bank making people’s dreams possible offering a range of financial services.

  • HawaiiUSA Federal Credit Union
  • 1226 College Walk, Honolulu, HI, 96817
  • we originally opened as a credit union for educators. Though times have changed and we’ve grown into so much more, we never lost sight of who we serve. That’s why we partnered with 122 schools and organizations across the state of Hawai‘i in 2020. In addition, we awarded 21 scholarships and granted 41 career enhancement stipends to educators.

  • Honolulu Fire Department Federal Credit Union
  • 1200 N. School Street, Honolulu, HI, 96817
  • As a federally-chartered, federally-insured financial cooperative, Honolulu Fire Department Federal Credit Union is a member-owned and member-governed financial institution like the other 7, 000 credit unions across the country. With our focus on firefighters throughout Hawaii, we truly serve to be Your Lifeline for a Lifetime!

  • Kamehameha Federal Credit Union
  • 1620 N. School St, Suite 116, Honolulu, HI, 96817
  • Kamehameha Federal Credit Union (KFCU) is dedicated to helping its members achieve their personal financial successes by providing a wide range of financial products and services. KFCU has been proudly serving its membership since 1957. As a not-for-profit financial cooperative, it is owned and operated by its members.