USDA Loan Vs. FHA loan pro & con Chicago, Cook County, IL

In 2025, USDA loan limit in Chicago, county of Cook, IL is $0 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Chicago, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(254) 215-2025 Lender's profile and map Reviews Belton Federal Credit Union 400 North Wall Street, Belton, TX, 76513 The Belton Federal Credit Union is a member owned and operated credit union serving over 850 members. The membership elects a Board of Directors each January at the annual meeting that determines operating procedures, loan policies, and sets rates for loans and deposits. Belton Federal Credit Union obtained its charter on February 28, 1963.
(800) 522-3972 Lender's profile and map Reviews Extraco Banks 2000 N. Main, Belton, TX, 76513 Extraco Banks celebrated 119 years and three generations of family management on July 12th, 2021. Founded as a cotton warehousing company, Extraco is the largest and most comprehensive independent financial institution headquartered in central Texas with over $1.2 billion in assets,
(281) 358-0117 Lender's profile and map Reviews Optima Mortgage Corporation PO Box 6852, Kingwood, TX, 77325 We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available.
(281) 446-7000 Lender's profile and map Reviews Third Coast Bank, SSB 20202 Hwy 59 North, Suite 190, Humble, TX, 77338 Third Coast Bank SSB, was launched in 2008 by a group of local entrepreneurs with a passion for supporting the business community along the Texas Gulf Coast. Since then our bank has grown to $2 billion in assets, with over 250 employees & 12 locations. We've expanded to serve more Texas communities while maintaining our focus on responsive service
(713) 559-6800 Lender's profile and map Reviews Plains State Bank 19404 Kenswick Drive, Humble, TX, 77338 we have proudly served Texas for more than 60 years. Plains State Bank is committed to elevating the economic position of our individual and business customers and to the development of the communities we serve. We bring you the best in full service banking backed by local ownership.
(281) 964-1777 Lender's profile and map Reviews United Energy Credit Union 8790 FM 1960 Bypass W, Suite A 500, Humble, TX, 77338 United Energy Credit Union has been open since 1934. The credit union has assets totaling $29.41 Million and provides banking services to more than 4, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
(281) 449-0109 Lender's profile and map Reviews InvesTex Credit Union 8404 FM 1960, Humble, TX, 77338 Since the beginning, InvesTex Credit Union has grown and expanded our field of membership. As we look forward to a new chapter in Credit Union history, we look back fondly on the past. In the fall of 1952, Aldine Teachers Credit Union was formed by a small group with a vision to meet the needs of the employees
(281) 548-3377 Lender's profile and map Reviews Houston Belt & Terminal Federal Credit Union 9810 FM 1960 Bypass W, Suite 105, Humble, TX, 77338 Houston Belt & Terminal Federal Credit Union was organized in 1949. Our philosophy as a member-owned credit union is not for profit, not for charity but to serve our membership. HB&T FCU is dedicated to providing its members with courteous, efficient and professional financial services while maintaining the highest ethical standards.
(303) 341-6558 Lender's profile and map Reviews New Capital Finance 5770 McIntyre St, Suite 5, Golden, CO, 80403 New Capital Finance local mortgage company that cares and will move at YOUR speed. No Junk fees ever and we work with SEVERAL banks to ensure the best pricing and service and We work with hundreds of mortgage lenders, shop the rates for you, we're local and have 15+ years of experience.
(303) 482-2361 Lender's profile and map Reviews Golden Lenders 18950 W 54th, Golden, CO, 80403 We have more than 25 years of experience in the mortgage industry – just the expertise you need for a successful outcome. Our team of mortgage consultants work to simplify the process for you, while educating you on this complex process. Whether its your first home, or you’re an experienced home buyer
(254) 554-6699 Lender's profile and map Reviews First Community Bancshares, Inc 703 Swanner Loop, Killeen, TX, 76543 First National Bank Texas (FNBT) and First Convenience Bank (FCB), a division of FNBT, remain dedicated to providing customers with quality financial products and services. Our bank was originally founded in 1901 in the Central Texas town of Killeen, only 19 years after the city was established. From our humble beginnings.