USDA Vs. FHA Pro and Con comparison in Des-Plaines, Cook County, IL

For 2025, in Des-Plaines, Cook county, IL, the USDA loan limit is $0. In comparison, the FHA limit for a single-family house is $379,500.

Using the Lendersa® USDA loan calculator, you can compare the current USDA against FHA best rates to determine the income, credit, reserves, and paperwork needed to qualify. Our cutting-edge mortgage calculator showcases USDA, FHA, Conforming, and VA programs side by side, assisting you in selecting the best one for your financial needs in Alabama.

Review and compare offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Des-Plaines, Cook county, IL

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $379,500 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Des-Plaines, IL

Lendersa® is committed to rapidly securing you the most beneficial USDA or FHA loan with no hassle. Start with any of the three options to connect with lenders and explore USDA loan offers.

Overview of Lendersa USDA loan proposals and results

Understanding USDA Loans in IL

A USDA home loan is supported by the Department of Agriculture, known as a USDA Rural Development Loan or USDA Mortgage, and is available exclusively in rural locales. In contrast to FHA loans, which have a minimum down payment of 3.5%, USDA loans require no down payment.

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



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