In 2025, the USDA loan cap in Gilberts, situated in Kane county, IL, is $336,500; for an FHA single-family home, it is $472,030.
Employ the Lendersa® USDA loan calculator to compare top current USDA and FHA rates. This will assist in identifying the income, credit, reserves, and documentation required to qualify. Our detailed mortgage calculator gives you a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding you in selecting the most appropriate program in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The purpose of Lendersa® is to connect you with the best USDA or FHA loans quickly and easily. Begin now by choosing any of these three starting points that lead to matching lenders and USDA loan schemes.
The USDA home loan, secured by the U.S. Department of Agriculture, is often referred to as the USDA rural development loan or mortgage, exclusive to rural locations. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA mortgages need no down payment, making homeownership more accessible.
Enter your location to find out if it qualifies for USDA rural housing loan?
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