USDA Vs. FHA your options comparison in Hillside, Cook County, IL

In 2026, the USDA loan limit in Hillside, County of Cook, IL, is set at $0, whereas the FHA limit for a single-family home is $472,030.

To evaluate the best rates between USDA and FHA today, use the Lendersa® USDA loan calculator. This tool helps determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA loans side by side, facilitating your decision on the most suitable program in for your financial context.

Compare loan offers from a selection of 100 lenders

2026 Loan Limits and Down Payment Requirements in Hillside, County of Cook, IL

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

Exploring USDA and FHA Loan Options in Hillside, IL

The goal of Lendersa® is to secure you the ideal USDA or FHA loan quickly and hassle-free. You can choose from three starting points to find matching lenders and USDA loan programs that cater to your needs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in IL

The USDA home loan, which is insured by the government via the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural regions. It contrasts with FHA loans that require a minimum 3.5% down payment, as the USDA mortgage necessitates no down payment at all.

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



  • BEELINE MORTGAGE, LLC
  • 1421 N Meadowwood Lane, Suite 71, Liberty Lake, WA, 99019
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.

  • Twin River National Bank
  • 900 5th Street, Clarkston, WA, 99403
  • Twin River Bank is locally owned by your neighbors and we have invested here in the Lewis Clark Valley Since We have built a reputation as a community bank serving home buyers, real estate investors and builders. We have experienced mortgage lenders that can help you with a purchase, refinance, home improvement or construction lending.

  • Good Deeds Mortgage
  • 115 NW State St, Suite 302, Pullman, WA, 99163
  • At Good Deeds Mortgage, your loan will never be just another transaction. It’s what gets you and your loved ones into the home of your dreams. But it doesn’t stop there, it also provides shelter for the homeless, feeds starving children, helps mothers in need, and much more. We would be honored to have the opportunity to help find you.

  • Numerica Credit Union
  • PO Box 4000, Spokane Valley, WA, 99037
  • Numerica Credit Union currently has more than 160, 000 members from Spokane, Northern Idaho, the Tri-Cities and Wenatchee Valley. We offer a full line of financial products and services, including mortgages and business products. Membership is open to anyone who lives or works in the State of Washington or the Idaho Panhandle.

  • The Mortgage Warehouse
  • 13617 East 14th Court, Spokane, WA, 99216
  • 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

  • Universal Funding Corporation
  • 16201 E INDIANA AVE STE 2600, SPOKANE VALLEY, WA, 99216
  • Universal Funding is a financial services company that provides personalized capital funding programs (invoice factoring, accounts receivable financing) to meet your cash flow needs. With over 65 years of combined experience our team has the expert knowledge to help your business grow and succeed.

  • The Private Money Store Inc.
  • 9116 E Sprague Ave, Suite 285, Spokane, WA, 99216
  • The Private Money Store Inc. is a leading provider of private money real estate loans in the Pacific Northwest for business or commercial purposes secured by non-owner occupied investment property, Spec Construction and Vacant Land With over 35 years of private lending consulting and real estate investment experience

  • Catlin Capital, Inc.
  • 1410 N Mullan, Suite 205, Spokane, WA, 99206
  • Catlin Capital's Loan Officers are entrusted with your very personal financial information and we secure our clients' data and information fully. We understand that securing the right mortgage is an essential part of achieving your financial dreams and goals. At Catlin Capital, we consider ourselves "stewards of wealth

  • Heritage Home Loans
  • 1227 N Argonne Rd., Spokane, WA, 99212
  • We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.

  • First Choice Mortgage Co.
  • 4408 S. Park Lane, Spokane, WA, 99223
  • First Choice Mortgage Co. is a locally owned company that is centrally located on Spokane's South Hill. We have been one of the leading independent mortgage companies in all of WA & ID for the past seventeen years. First Choice Mortgage has been known for being innovative, honest, & for delivering service above & beyond our customer's expectations.

  • Inland Capital
  • 2607 S Southeast Blvd, STE A100, Spokane, WA, 99223
  • Inland Capital is a leading private money lender to Pacific Northwest real estate investors. Our desire is that Inland Capital’s quick and efficient financing will support the ongoing and future success of our clients. Whether you are a tycoon of rental properties, an experienced contractor,our aim is to help you be successful.