USDA Vs. FHA your options comparison in Galena, Jo Daviess County, IL
In the year 2025, the USDA loan limit for Galena located in Jo Daviess county, IL, stands at $336,500. Whereas, the maximum FHA limit for a single-family home in the same area is $472,030.
Apply the Lendersa® USDA loan calculator to evaluate and compare today's best USDA versus FHA rates. This tool is essential in determining your income, credit requirements, reserves, and the documentation needed to qualify. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, facilitating your decision on the optimal program for your financial needs in .
2025 Loan Limits and Downpayment Requirements in Galena, County of Jo Daviess, IL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Galena, IL
The goal of Lendersa® is to ensure you acquire the best USDA or FHA loan quickly and with minimal hassle. Start by selecting one of three approaches, each leading to matching lenders and unlocking potential USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture, is commonly known as a USDA rural development loan or USDA mortgage. Exclusively available in rural neighborhoods, this loan stands apart from FHA loans, which demand a minimum down payment of 3.5%; USDA loans offer the distinct advantage of requiring no down payment whatsoever.
BFG Federal Credit Union has been open since 1935. The credit union has assets totaling $171.85 Million and provides banking services to more than 23, 000 members
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
"We are an independent mortgage broker serving all of Ohio's home buyers and homeowners with their mortgage needs.
MISSION
Help consumers get access to the best mortgage, with transparency and professionalism
VISION
Educate and serve all mortgage consumers in our service area while preserving the true wholesale to broker model"
Fahe Loan Servicing emphasizes quality customer care and personalized account management on the mortgages we service for Fahe, its partners, and our borrowers. By utilizing our experienced team, smaller nonprofits are able to keep overhead low. For Members whose primary function does not involve financials,
At Vinton County National Bank we are proud of our long history and excited about our promising future. Founded in McArthur, Ohio in 1867, we are a Bauer Financial 5-Star Rated Financial Institution. Since our founding in a small town storefront 153 years ago, we have shown tremendous growth and prosperity.
Akron Fire Department Credit Union more than 80 years ago. Our name later became Akron Firefighters Credit Union & membership expanded to firefighters & their families throughout Northeast Ohio. In 2016, we merged the Akron Police Department Credit Union into our membership. Membership is now open to include all First Responders in the state
Equity Plus Mortgage in Nashville, Tennessee specializes in helping aspiring homeowners and existing homeowners. We focus on all types of mortgage products that are tailored to fit your personal need. We specialize in mortgage products for new home purchases and Refinancing your existing home to help lower your monthly payment and save money.
Cardinal is proud to announce their 5-star rating, recently awarded by Bauer Financial. Bauer Financial is a financial rating agency who provides depositor-focused ratings of banks and credit unions in the United States. The Company’s rating scale runs from zero to five, the strongest institutions being granted 5-star ratings.
At Union Capital, home loans are all we do. Since 1995, we have worked to become a trusted lending partner to countless realtors and customers. Realtors depend on us to help their buyers get into the ideal home. Customers we serve return to us again and again – we have gotten to know thousands of them personally over the past 20 years.
