USDA and FHA Pro and Con in Countryside, Cook County, IL

In 2025, the USDA loan limit in Countryside, within Cook county, IL, is $0, whereas the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to evaluate today's leading rates between USDA and FHA loans. Determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, supporting you in choosing which program in best fits your financial needs.

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2025 Loan Limits and Down Payment Requirements in Countryside, 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 Options in Countryside, IL

Lendersa® strives to secure the optimal USDA or FHA loan for you promptly and without hassle. Choose from one of three starting methods that connect you with matching lenders and USDA loan programs.

  1. Submit a comprehensive request for USDA/FHA loan optimization
  2. Review USDA and FHA rates & terms upfront
  3. Access the largest database of USDA loans
Lendersa USDA loan request and matching results

What is a USDA Loan in IL?

A USDA home loan, insured by the Department of Agriculture, is also known as a USDA rural development loan or mortgage, available exclusively in rural communities. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages require none, offering a significant advantage to eligible applicants.

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  • 1430 Truxtun Avenue Suite 509, 5th Floor, Bakersfield, CA, 93301
  • Alterra Home Loans, a division of the Panorama Mortgage Group, was founded in 2006. Alterra Home Loans is 100% minority-owned and focuses on lending to traditionally underserved communities, including Black and Latino borrowers and also Alterra is one of the fastest growing 100% Hispanic owned companies in the Nation.

  • New Beginnings Financial & Real Estate
  • 1731 16th Street, Bakersfield, CA, 93301
  • New Beginnings has been operating as a Full Service Mortgage Company in the Kern County Market since 2000. Our professionals have very specific requirements when it comes to the skills needed to maintain the level of great service expected in Hard Money Loans, Conventional Loans, and Real Estate.

  • LendFi Mortgage
  • 555 W 5th St 35th Fl, Los Angeles, CA, 90013
  • LendFi Mortgage is making homeownership simpler, faster, and most importantly, more accessible for all Americans. We believe homeownership should be fast, transparent, and low-cost for everyone. We offer unbeatable service; mind-blowing rates and we strive to close our loans within 3 weeks.

  • California Bear Credit Union
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  • Our Mission is to Provide the best quality of financial and credit products and services to meet the needs of our members. Provide products and services at fair, competitive prices, and to invest excess funds in such a manner that the return on those investments will contribute to capital growth and financial stability of the credit union.

  • Episcopal Federal Credit Union
  • 840 Echo Park Ave, Los Angeles, CA, 90026
  • The Episcopal Community Federal Credit Union is an Economic Justice Ministry within the Diocese of Los Angeles The Episcopal Community Federal Credit Union is a very diverse credit union with 40 percent of its membership being Hispanic, 30 percent African American, 20 percent Caucasian.

  • Real Estate Plus +
  • 701 N. Alvarado Street, 2nd Floor, Los Angeles, CA, 90026
  • We believe in becoming a responsible corporate business partner while providing sellers, buyers, and corporate clients our services with efficiency, technology, and communication. Assuring all clientele that our knowledge and integrity can be trusted to receive the expected results for success.

  • Carbarr Funding
  • 701 North Alvarado Street, 2nd Floor, Los Angeles, CA, 90026
  • Carbarr Funding is a California based brokerage approved in accordance to the Frank & Dodd act under the auspices of the California Department of Real Estate and dully registered with the Nationwide Licensing Registry System. The company specializes in mortgage lending catering diverse financing options for today's complex real estate market.

  • Molina Financial Services Inc.
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  • PostCity Financial Credit Union
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  • CalCom Federal Credit Union
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  • CalCom Federal Credit Union was founded as Licomto Federal Credit Union on February 28, 1968 serving the employees and family members of Little Company of Mary Hospital in Torrance, CA. As with most Credit Unions, a dedicated employee, Ms. Doris Anthony, conducted the entire Credit Union operation

  • Boardwalk Financial
  • 3840 Woodruff Avenue, Suite 204, Long Beach, CA, 90808
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  • MJG Capital
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  • MJG Capital, our goal is simple Provide our clients with best-in-class mortgage programs and top-notch customer service.and also MJG Capital is able to provide a wide-variety of loan programs paired with unparalleled customer service to many Americans, purchasing a home is the keystone to financial security. Many people decide to buy a home,
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