For the year 2025, in the city of Harwood-Heights, located in the county of Cook, within IL, the USDA loan limit is set at $0, whereas for an FHA single-family home, the limit is $379,500.
Leverage the Lendersa® USDA loan calculator to transparently compare the prime USDA versus FHA rates available today. This allows you to ascertain the necessary income, credit score, reserves, and documentation required for eligibility. Our extensive mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, enabling you to choose the best program for your specific financial situation in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $0 | 0% | |
| FHA | $379,500 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
At Lendersa®, we aim to promptly and effortlessly provide you with the most advantageous USDA or FHA loans. You can begin with any of these three pathways that lead to suitable lenders and USDA loan offerings:
The USDA home loan, which is guaranteed by the U.S. Department of Agriculture, is often referred to as the USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. In contrast to FHA loans that mandate a minimum 3.5% down payment, USDA mortgage loans require no down payment whatsoever, making them an attractive option for eligible applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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