In the year 2026, 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.
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| Type of Loan | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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