USDA Vs. FHA your options comparison in Crete, Will County, IL

For the year 2025, the USDA loan limit in Crete, within Will county of IL, is $336,500. In contrast, the FHA limit is $472,030 for a single-family home.

Use the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. This tool helps to determine the needed income, credit, reserves, and necessary documents to qualify. Our comprehensive mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, helping you find the best program for your financial needs in .

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2025 Loan Limits & Down Payment Requirements in Crete, Will County, IL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Crete, IL

Lendersa® aims to provide you with the best USDA or FHA loans quickly and easily. Initiate with any of the three starting points that lead to matching lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

The USDA home loan is a government-backed mortgage provided by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage. It is available only in rural areas. Contrary to FHA loans requiring at least 3.5% down payment, USDA loans do not need any down payment.

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



  • Prosper First Capital
  • 763 Saratoga Road, Suite 4, Burnt Hills, NY, 12027
  • Prosper First Capital have worked hard to build our reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full-service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.
  • Mohawk Progressive Federal Credit Union
  • 1760 State Street, Schenectady, NY, 12304
  • The Mohawk Progressive Federal Credit Union is a member-owned and directed financial institution. We are dedicated to serving the present and future financial needs of our members through cost effective financial services consistent with co-operative principals, applicable legislation, and sound management.
  • Empire State Mortgage
  • 3504 Park Avenue, Weehawken, NJ, 07086
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Willis-Knighton Federal Credit Union
  • 8400 Mansfield Road, Shreveport, LA, 71108
  • Willis-Knighton Federal Credit Union was founded to provide employees of Willis-Knighton Hospitals and related organizations with financial resources at favorable rates. Willis-Knighton Federal Credit Union has been to provide the employees of Willis-Knighton Hospitals and related organizations with the best possible financial services.
  • Northwest Louisiana Federal Credit Union
  • 7070 Jewella Avenue, Shreveport, LA, 71108
  • Northwest Louisiana Federal Credit Union was chartered in April of 1975. Our original name was OILS Federal Credit Union (Owens, Illinois, Libbey, Shreveport). November 1981, the name was changed to Libbey Glass Federal Credit Union for ease of recognition. In 2007, we changed our name to Northwest Louisiana Federal Credit Union.
  • Meridian Capital Group LLC
  • 1 Battery Park Plaza, 26th Floor, New York, NY, 10004
  • Meridian has arranged financing for many of the country’s leading real estate investors and developers. The experts on our in-house underwriting & placement teams tailor creative, best-in-class solutions for our clients’ unique needs. Clients benefit from our long-standing relationships with more than 250 traditional and non-traditional lender
  • Popular Bank
  • 85 Broad Street, New York, NY, 10004
  • Popular continuously aims to build on its reputation for sound financial guidance, identifying areas of opportunity, and creating innovative partnerships that will enhance our clients’ banking experience. We are committed to making dreams happen, by providing financial solutions every step of the way.
  • Great Stone Capital
  • 30 Broad Street, Suite 1427, New York, NY, 10004
  • When it comes to working with a specialty lending company, one of the most important aspects is finding a firm that understands the investor's position and is eager to support their efforts. At Great Stone Capital not only do we offer personalized service, but we handle the loan process from start to finish. We are fully aware of the many specialty