USDA Vs. FHA Pro and Con comparison in Geneva, Kane County, IL
In the year 2025, the USDA loan cap for Geneva, which falls in the county of Kane, IL, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
To compare the best current USDA and FHA rates and to identify eligibility requirements such as income, credit, reserves, and necessary documentation, you can use Lendersa® USDA loan calculator. With our advanced mortgage comparison tool, you can simultaneously view USDA, FHA, Conforming, and VA loans, helping you choose the best option for your unique financial needs in Alabama.
2025 Loan Limits and Down Payment Requirements in Geneva, Kane, IL
Type of Loan
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Geneva, IL
Lendersa® strives to quickly and efficiently connect you to the best USDA or FHA loans without complications. Take your pick of three starting approaches to meet matching lenders and explore USDA loan possibilities.
A USDA home loan is an option backed by the U.S. Department of Agriculture, also called a USDA rural development loan or USDA mortgage, available solely in rural areas. Unlike FHA loans requiring a minimum of a 3.5% down payment, USDA loans demand no down payment.
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