FHA Vs. USDA loan program for Chicago, Cook County, Illinois

As of 2026, the USDA loan cap for Chicago, located in Cook County, IL, is $0, whereas the FHA ceiling is $472,030 for a single-family residence.

Utilize the Lendersa® USDA loan calculator to contrast today's prime rates for USDA versus FHA, and assess the income, credit, reserves, and documents necessary for qualification. Our sophisticated mortgage calculator lets you examine USDA, FHA, Conforming, and VA loans side by side, aiding your choice of the best program in for your specific financial condition.

USDA and FHA Loan Options in Chicago, IL

The mission of Lendersa® is to secure you the most beneficial USDA or FHA loan swiftly and with minimal hassle. Choose among three initial steps that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan is guaranteed by the U.S. Department of Agriculture, commonly identified as the USDA rural development loan. It is intended specifically for rural areas. In contrast to FHA loans that necessitate a 3.5% down payment, a USDA loan does not require any down payment, offering an attractive option for many.

Get top 10
USDA LENDERS
customized to yout needes

(408) 800-5165 Lender's profile and map Reviews VVR Loans 831 Transil Circle, Santa Clara, CA, 95054 VVR Loans, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.
(408) 244-5818 Lender's profile and map Reviews Mission City FCU 1391 Franklin Street, Santa Clara, CA, 95050 Mission City Federal Credit Union was founded in 1959 as Santa Clara City Employees Federal Credit Union to serve the employees of the City of Santa Clara, including the police, fire and power departments. Since that time the eligibility has expanded to include the faculty, employees and students of Santa Clara University and other select groups.
(408) 366-0311 Lender's profile and map Reviews The Loan Story 275 Saratoga Ave, Suite 220, Santa Clara, CA, 95050 I have been in the mortgage brokerage industry since 1997. By working with my clients' very best interest at the heart of everything I do, I earn their trust. At my office, they call me the diligent one. I am committed to helping all my clients apply, qualify, and be approved for the home loans that they seek and deserve.
(408) 366-0311 Lender's profile and map Reviews The Loan Story 275 Saratoga Avenue, Suite 220, Santa Clara, CA, 95050 We aim to make home financing as simple & pain-free as possible. Whether you are buying your first home, refinancing existing properties, or building investment portfolio, our loan advisors will help you figure out how much you can afford & the perfect mortgage program, either residential or commercial. Tell us your stories, we will do the rest.
(408) 986-1798 Lender's profile and map Reviews Michael Ryan & Associates 275 Saratoga Ave., Suite 220, Santa Clara, CA, 95050 "Providing high touch mortgage services to employee's from their employers. No Surprises. Employee's benefit from access to quality information. Market knowledge, market driver's and dynamics. Straight answers to all types of questions relating to home mortgages, home ownership, grpwth through real estate and scaling back, as your life dictates."
(925) 254-4278 Lender's profile and map Reviews Stefan Financial 371 Village Square, Orinda, CA, 94563 Stefan Financial is an established commercial real estate finance firm. We have over 20 years’ experience in placing debt for our clients. And while we have developed strong relationships with various capital sources, we have not become complacent about looking for new participants. On the contrary, commercial real estate finance.
(800) 218-3315 Lender's profile and map Reviews Loan Republic Financial, Inc. 371 Village Square, Orinda, CA, 94563 "Loan Republic Financial is an internet-direct provider of low-rate loan products to help families deliver on the American dream. Founded in 2003, Loan Republic Financial uses the internet as its 'Universal Branch' to distribute low-rate loan solutions direct to the market using our proprietary automated loan platform."
619-414-2999 Lender's profile and map Reviews First Capital Trust Deeds 128 Camino Pablo, Orinda, CA, 94563 First Capital Trust Deeds is an excellent option for you if you want results with a hard money loan in California,We have 30+ years of combined experience in all types of lending and we’re experts who can provide lending options for self-employed or non-traditional financing for luxury real estate and private commercial properties.
(855) 644-5626 Lender's profile and map Reviews InstaMortgage 1245 S Winchester Blvd, Suite 209, San Jose, CA, 95128 By combining superior technology with expert advice, excellent customer service, and competitive rates, we deliver mortgage options that are tailored to each client's unique financial situation. A radically different mortgage experience is a result of our obsession for better service to our customers. Don’t take our word for it.
(408) 483-6551 Lender's profile and map Reviews Premiere Properties and Mortgage Services Inc. 2000 W Hedding St, San Jose, CA, 95128 Premiere Properties & Mortgage Services was established in 2008, servicing the San Francisco Bay Area. Candida Diaz CEO / Broker at Premiere Properties & Mortgage. My goal is to ensure that my clients are delighted with the representation they receive and that they know that they can stay in touch with me well after their transaction closes.
(408) 297-6800 Lender's profile and map Reviews American Family Funding Group 1190 South Bascom Ave, Suite 215, San Jose, CA, 95128 At American Family Funding Group, we have experienced in-house processing staff. At American Family Funding Group, we offer all FNMA, Freddie Mac loan products, FHA, VA loans and first time home buyers program. At American Family Funding Group, we also offer Non QM loans, such as Reverse Mortgage, and Hard Money loans, Bank statement.