USDA VS FHA in Burnham, Cook County, IL

In 2025, the USDA loan limit for Burnham, in Cook County, IL, is $0, while the FHA limit for a single-family home is $472,030.

Use Lendersa® USDA loan calculator to compare today's USDA against FHA rates and determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA side by side, helping decide which program in suits your financial situation best.

Explore loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Burnham, Cook County, IL

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

USDA and FHA Loan Choices in Burnham, IL

Lendersa® aims to secure the best USDA or FHA loan for you quickly, with no hassle. Start from one of the three ways, resulting in matching lenders and USDA programs.

Lendersa's USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan, secured by the Department of Agriculture, often called a USDA rural development loan or a USDA mortgage, is accessible only in rural areas. Unlike FHA loans, which require a 3.5% down payment minimum, USDA loans need no down payment at all.

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



  • Beacon Financial
  • 1102 W. Market St, Suite 20, Johnson City, TN, 37604
  • Beacon Financial is a mortgage broker with operations in one state. Beacon Financial offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA & VA mortgages. Beacon Financial is a FREEandCLEAR Certified Gold Low Rate Lender. Our mission is to provide financial products & services that add superior value to membe
  • Topeka Firemen's Credit Union
  • 2447 SE 29th Street, Topeka, KS, 66605
  • The Topeka Firemen's Credit Union was established to foster economic democracy by bringing the ideal of economic freedom to our members through the use of money based upon the beneficial needs of the members and not greed. We promote thrift by receiving our Members' savings in the payment of shares and extend loans to our Members.
  • Tecumseh Federal Bank
  • 160 N 4th Street, Tecumseh, NE, 68450
  • We are proud to serve YOU, the community, as a mutual savings bank. We are not owned by a family or a group of wealthy shareholders. We are owned by YOU, our customers, and we work for YOU for the betterment of the bank and community as a whole. Our decisions are made locally, by local people, with you and the future of the community in mind.
  • First South Financial Credit Union
  • 3731 Austin Peay Highway, Memphis, TN, 38128
  • First South Financial Credit Union is a member-owned, federally insured financial institution serving over 64, 000 members throughout the world. Recognized as a leader in strength, stability and service, we are ranked among the top 1% of financial institutions in the entire country by independent rating organizations.
  • Kaw Valley Bank
  • 1110 North Kansas Avenue, Topeka, KS, 66608
  • Kaw Valley Bank has been a part of Topeka for over 150 years, with its roots starting in Oakland & eventually growing in North Topeka & later city wide. The banks original name was Oakland State Bank. In 1920s Glenn Swogger Sr. & his father J.S. Swogger purchased Oakland State Bank where it was a storefront bank with a family living headquarters.
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  • 205 South Fifth Street, Blue Mound, KS, 66010
  • The Farmers State Bank of Blue Mound was chartered in August of 1913 by 26 area men, with capital stock of $10,000.00. The men were mainly farmers, from the surrounding Kansas communities; Centerville to Bronson and Selma/Kincaid to Mound City. The initial board of directors included J. L Pettyjohn, President; Fred Bronson,
  • Miners National Bank of Eveleth
  • 401 Grant Ave, Eveleth, MN, 55734
  • The Miners National Bank of Eveleth is an independent, family-owned, community bank located in downtown Eveleth. Established in 1903, we are a full service institution specializing in personalized service for all your personal and business needs. To help you keep up with the fast pace of the world today, we offer you access to your account info.
  • Fidelity State Bank and Trust Company
  • 600 Kansas Avenue, Topeka, KS, 66603
  • Fidelity State Bank & Trust Company (Topeka, KS) is a banking company based in Topeka, Kansas, United States. FDIC Insured and Equal Opportunity Lender.The history of the Chandler Family that owns Fidelity State Bank & Trust Company dates back to 1883. The Chandler Family has been active in Kansas since then and continues to be active in a large nu
  • 1st Kansas Credit Union
  • 400 S Kansas Avenue, Suite B, Topeka, KS, 66603
  • Discover everything your credit union & financial institution can be at 1st Kansas Credit Union. As the oldest credit union in Kansas, our closed membership institution offers a wide range of accounts, loans, & financial services to Federal, State, City & County employees and their dependents in the states of Kansas, Nebraska, Iowa and Missouri.
  • Topeka Police Credit Union
  • 320 South Kansas Avenue, Suite 100, Topeka, KS, 66603
  • The Topeka Police Credit Union was chartered February 12, 1952 by a small number of police officers who wanted to start a credit union to help police officers and their immediate families. The credit union opened its doors April 13, 1952. The mission of the Topeka Police Credit Union is to provide quality service.