USDA VS FHA in DeKalb, DeKalb County, IL

In 2025, USDA loan limit in DeKalb, county of DeKalb, IL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in DeKalb, county of DeKalb, IL

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

USDA and FHA loan options in DeKalb, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • 2031 E Edgewood Drive, Suite 3, Lakeland, FL, 33803
  • Florida Mortgage business providing Residential and Commercial mortgages. Flexible programs for flexible borrowers providing Residential and Commercial mortgages. Whether your purchasing a home or purchasing a business, we have a loan for you. FHA, VA, USDA, and conventional loan programs available. We are a true financial services company
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  • 4700 9th Avenue North, Saint Petersburg, FL, 33713
  • At RMS Mortgage Services LLC, we combine experienced lenders and savvy borrowers with a wide range of lending solutions. We offer traditional residential mortgages, real estate investment portfolio lending, private equity, alternative financing, and private notes among many other lending opportunities.
  • Team Stapleton Home Loans LLC
  • 3035 5TH Ave N St., Saint Petersburg, FL, 33713
  • Team Stapleton Home Loans LLC in St. Petersburg is the friendly mortgage lender with small-town values. Never hesitate to call us, even if you just want to ask a question or you’re not ready to start the home loan application process. Think of us as a neighbor who happens to know a ton about home loans. Of course, if you’re ready to get started.
  • FLORIDA WEST COAST CREDIT UNION
  • 1225 Millennium Pkwy, Brandon, FL, 33511
  • Florida West Coast Credit Union exists to help our members live better and dream bigger at every stage of their lives. We achieve this through meaningful, personalized, trusted relationships and an unyielding devotion to our members’ financial well-being The Credit Union was founded in 1942 as the Credit Union for all Hillsborough County.
  • Royal & Company Mortgage Corporation
  • 792 W Lumsden Rd., Brandon, FL, 33511
  • Royal & Company Mortgage Corporation has been in business since 2007, making home ownership and refinances a reality for customers throughout Florida. Kathi has put together a team that is ready to expertly process your loan from the initial application through closing. We will provide excellent service
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  • 1079 E. Brandon Blvd, Brandon, FL, 33511
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  • Discount Loans
  • 801 W Bloomingdale Ave, Brandon, FL, 33511
  • Discountloans.com is a full service Mortgage Broker. We are committed to providing the highest level of customer service with an emphasis on offering our customers the best advice to save on their monthly expenditures. We are set up with over 20 wholesale lenders and banks, so we can offer both traditional and nontraditional mortgage products.
  • DOUBLE A MORTGAGES
  • 146 W Robertson St Suite 138-1, Brandon, FL, 33511
  • Double A Mortgage is home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. 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
  • United Mutual Funding Corporation
  • 659 W Lumsden Rd, Brandon, FL, 33511
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  • Swift Home Mortgage
  • 1093 E Brandon Blvd, Brandon, FL, 33511
  • Swift Home Mortgage, LLC & its subsidiaries & affiliates (collectively, Swift Home Mortgage, we, us or our) respect your privacy and are committed to complying with this privacy policy (the PrivacyPolicy). This Privacy Policy describes our information collection. Swift Home Mortgage delivering excellence in lending & unmatched customer service.
  • Goff & Associates Realtors
  • 204 Lithia Pinecrest Rd., Brandon, FL, 33511
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  • American Dream Home Mortgage
  • 1463 Oakfield Dr. Suite 127, Brandon, FL, 33511
  • American Dream Located in the heart of Brandon FL and serving the entire state of Florida, American Dream Home Mortgage gives you the personal attention you deserve and treats you with the respect due a valued customer. We understand that you are making a commitment in buying a new home, refinancing a mortgage, or utilizing your home equity.