USDA and FHA Pro and Con in Freeport, Stephenson County, IL
In 2025, 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 .
2025 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.
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