In 2026, the USDA loan cap for Crystal-Lake, located in McHenry county, IL, is set at $303,600, while the FHA limit for a single-family home is $379,500.
Use the Lendersa® USDA loan calculator to compare the best current USDA versus FHA rates and determine the income, credit, reserves, and documentation requirements for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the optimal program for your financial scenario in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $303,600 | 0% | |
| FHA | $379,500 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to secure the best USDA or FHA loan swiftly and with minimal hassle. Select one of three starting methods that connect with matching lenders and USDA loan programs.
A USDA home loan is supported by the government Department of Agriculture, also known as a USDA rural development loan, and is designed for rural areas only. Unlike FHA loans, which mandate at least a 3.5% down payment, the USDA mortgage requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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