USDA Vs. FHA your options comparison in Chicago-Heights, Cook County, IL

In 2025, the USDA loan limit for Chicago-Heights in the county of Cook, IL, is set at $0. The FHA loan limit for a single-family home is $379,500.

Use Lendersa® USDA loan calculator to compare the best rates of USDA vs. FHA today, and determine the income, credit, reserves, and documentation needed to qualify. With this advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in suits your financial situation best.

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2025 Loan Limits and Down Payment Requirements in Chicago-Heights, 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 Chicago-Heights, IL

The goal of Lendersa® is to connect you rapidly with the best possible USDA or FHA loan without hassle. Choose one of three starting points to link with lenders and discover suitable USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in IL?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and exclusively available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage requires no down payment at all.

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



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  • 6401 Golden Triangle Dr, Suite 150, Greenbelt, MD, 20770
  • RoundPoint Mortgage Servicing Corporation was founded in 2007 and is a large, fully integrated, non-bank mortgage lending and servicing company. We are a proud member of the Freedom Mortgage Corporation family of companies. We measure success in many ways—first and foremost by our customers’ satisfaction, in our growth as a company
  • Specialty Lending Group
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  • US Mutual Home Loans Inc
  • 201 International Circle, Suite 230, Hunt Valley, MD, 21030
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  • Alliance Mortgage Funding Inc
  • 111 Warren Road, Suite 10A, Cockeysville, MD, 21030
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  • 50 Scott Adam Rd, Cockeysville, MD, 21030
  • Freedmont Mortgage®, a division of NFM Lending, has set the standard for trust, honesty, and integrity in the industry for nearly two decades. As one of the oldest licensed mortgage firms in the Mid-Atlantic area, we have the experience and reputation to assist homeowners and homebuyers in a variety of situations.
  • Your Mortgage Genie LLC
  • 13205 Sunfield Terrace, Fort Washington, MD, 20744
  • We are a full-service mortgage company for first-time homebuyers servicing MD, Washington DC, VA, and FL. We specialize in Residential Real Estate Loans with options to UNLOCK YOUR DREAMS.What makes Your Mortgage Genie unique is we strive to meet individual goals by offering customized products and investment tools to service your individual goal
  • Potomac Trust Mortgage Company LLC
  • 10009 Indian Queen Point Road, Fort Washington, MD, 20744
  • Potomac Trust Mortgage we are committed to providing customers with the best service and rates available. We are a local company who’s professional staff goes above and beyond to assist our clients with the entire loan process. Our goal is to make the loan process as simple and stress-free as possible.