USDA Vs. FHA your options comparison in Hainesville, Lake County, IL

In 2025, the USDA loan limit set in Hainesville, within Lake county, IL, is $0. The FHA limit for a single-family residence is $472,030.

Using the Lendersa® USDA loan calculator, compare today's leading USDA and FHA rates and assess the required income, credit, reserves, and documents for qualification. Our comprehensive mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, guiding you to choose the best program in to suit your financial needs.

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Hainesville, Lake County, IL

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Hainesville, IL

Lendersa® aims to quickly find you the ideal USDA or FHA loan with ease. Select one of three starting points to connect with matching lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan, often termed as a USDA rural development loan or mortgage, is backed by the U.S. Department of Agriculture and available only in rural areas. While FHA loans require at least a 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Avatar Financial
  • 1200 Westlake Ave N #1006, Seattle, WA, 98109
  • Avatar Financial Group is the leader in commercial bridge loans, offering solutions for non-conforming, income-producing real estate projects. A nationwide lender, we provide quick turnaround for deals that need it. AFG is a unique type of bridge lending company. While the current market has created a lack of credit availability
  • Joel Hernandez
  • 277 Rancheros Dr, Suite 160, San Marcos, CA, 92069
  • we’re able offer a wide variety of home loan programs to help borrowers finance their home loan needs. From the first-time buyer looking for a low-down payment loan, to the seasoned investor looking to finance a 4-unit multi family home, we can help you. Because of our partnership with over 40 lenders
  • LoanStar Financial Corp. - Ignacio Ventura
  • 277 Rancheros, Suite 160, San Marcos, CA, 92069
  • LoanStar Financial is a mortgage company based in North San Diego County, CA. specializing in residential (Refi & Purchase) mortgages as well as commercial and construction loans. Ignacio Ventura has many years of experience in the residential, commercial & construction lending arena.
  • James Stanko - Lineage Lending
  • 750 Woodward St, Suite 7, San Marcos, CA, 92069
  • Jim Stanko is a JUMBO and FHA Reverse Mortgage Specialist located in Southern California. He and his firm, Lineage Lending, are Federally- and CA State-Licensed reverse mortgage brokers. Lineage Lending is a member of the National Reverse Mortgage Lenders Association, an association that requires high ethical standards from its members.
  • Stone Bridge Mortgage
  • 970 Los Vallecitos Boulevard, Suite 222, San Marcos, CA, 92069
  • Every one of our clients needs are different which is why we leverage our experience & expertise to help you find the right financing. We make sure every client understands their loan program & gets the best possible financing for their needs. Contact us today to get pre-qualified for your next home purchase or to refinance your current residence
  • Your Mortgage Shop
  • 516 Peach Way, San Marcos, CA, 92069
  • YMS specializes in eliminating mortgage insurance by leveraging relationships with Private Investors and Banks to obtain custom tailored loans for clients. Your Mortgage Shop is a trusted California premiere mortgage broker that adheres to the highest industry standards and is compliant with State Laws and Federal Regulations.
  • FAST TRACK MORTGAGE
  • 10000 Aurora Ave N, Suite 2, Seattle, WA, 98133
  • Fast Track Mortgage we take pride in treating our clients with honesty and integrity. Ask us about getting refinanced in Seattle.Our mortgage bankers know what they’re doing. They use the latest comparative analysis software which allows them to research and compare various loan programs to find the best option to meet your needs.
  • Pacific Coast Financial LLC
  • 2150 North 107th Street, Suite 170, Seattle, WA, 98133
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Wallingford Mortgage Services Inc
  • 3860 Bridge Way N, Seattle, WA, 98103
  • Wallingford Mortgage Services Inc was born in 2003, the same year as my son. We named the company after the neighborhood of Seattle that we live in. A Mom and Pop shop, literally. I was our loan officer and my wife was our processor. We started our business not just to make more scratch.
  • SALMON BAY COMMUNITY LENDING
  • 7919 Greenwood Ave N Entrance on N 80th St", Seattle, WA, 98103
  • The mortgage business has certainly changed over the years but one thing hasn’t changed: the way we do business here at Salmon Bay Community Lending We have always valued service and relationship over volume and profit and we always will. Our clients come from referrals, not purchased lists, and our expertise comes from problem solving and working