In 2025, the USDA loan maximum for DeKalb, within DeKalb county, IL, is $336,500. On the other hand, the FHA ceiling for single-family homes is $472,030.
Leverage the Lendersa® USDA loan calculator to weigh today's leading USDA against FHA rates and to identify the necessary income, credit, reserves, and required documents for qualification. This advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most suitable program for your financial needs in Alabama.
Examine and compare offers from a network of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, the aim is to secure you the optimal USDA or FHA loan quickly, without complication. Choose one of three initial approaches to match with lenders and explore USDA loan offerings.
A USDA home loan, backed by the Department of Agriculture and also known as a USDA Rural Development Loan or USDA Mortgage, is available exclusively in rural areas and does not require a down payment, unlike FHA loans which need a minimum down payment of 3.5%.
Enter your location to find out if it qualifies for USDA rural housing loan?
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