USDA Vs. FHA Pro and Con comparison in Freeport, Stephenson County, IL
In 2026, the USDA loan limit in Freeport, Stephenson County, IL is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Discover the income, credit, reserves, and documents required to qualify. Our cutting-edge mortgage calculator enables side-by-side comparisons of USDA, FHA, Conforming, and VA loans, assisting you in selecting the best program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Freeport, Stephenson, IL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Freeport, IL
The goal of Lendersa® is to swiftly provide you with the best possible USDA or FHA loans, free of hassle. Start by choosing one of the three options that lead to matching lenders and USDA loan packages.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require none.
Cornerstone Credit Union is a not-for-profit financial cooperative. We offer better rates, lower fees and affordable services. Loans, Mobile & Online banking, Free Checking, Savings, VISA Credit Card and more. Founded 1939.Credit Union is a not-for-profit financial cooperative. We offer better rates, lower fees
At Citizens State Bank, we are committed to being your full service, independent, locally-owned community bank. Our customers rely on our expertise, professional staff and diverse products and services, many of which can be customized to suit your specific needs. All business decisions are made locally by people who live and work where you do.
The year 1945 marked the official end of World War II, the founding of the United Nations and on December 8th, The State Bank of Pearl City was established. The bank has been an independently owned community bank since that day.
Our focus continues to be on you and your financial needs, our local families, businesses and farmers.
German American State Bank was chartered on January 21, 1907 and prides itself as being one of the oldest community banks in the state of Illinois. At German American State Bank, our mission is to provide exceptional financial solutions for our customers by providing the highest quality financial products.
Our vision is to enhance the quality of life for our customers, staff, and community through innovative and personal experiences that build deep, lifelong relationships. Our mission is to inspire and implement solutions that allow our customers to focus less on banking transactions and more on what matters most to them.
Byron Bank is to help people fulfill their financial dreams and goals. We specialize in mortgage lending and originate hundreds of mortgages a year. Our experienced and professional mortgage lending team is committed to assisting clients with the local knowledge and quality service they need to purchase the home of their dreams.
Milledgeville State Bank takes a more personal approach. Whatever your needs, you can talk to a bank staff member about your options and get a recommendation that works best for you, not a sales pitch that helps our bottom line. At Milledgeville State Bank, banking is all about building relationships founded on getting to know you as a person
