USDA VS FHA in Homewood, Cook County, IL

In 2026, the USDA loan limit in Homewood, Cook county, IL, is $0, whereas the FHA limit for a single-family is $472,030.

With Lendersa® USDA loan calculator, compare best rates for USDA vs FHA today. Determine income, credit, reserves, and documents needed. The advanced mortgage calculator complements your decision by showing USDA, FHA, Conforming, and VA loans side by side, for the best choice in .

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2026 Loan Limits and Requirements in Homewood, Cook, IL

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

USDA and FHA Options in Homewood, IL

Lendersa® aims to deliver the best USDA or FHA loans quickly. Start with one of three options leading to matching lenders and USDA programs.

Results of Lendersa USDA loan request

What is a USDA Loan in IL?

The USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or mortgage, is offered in rural areas only. It requires no down payment, unlike FHA loans needing at least a 3.5% down payment.

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



Homewood Lenders

  • Royalty Elite Mortgage Corp
  • 19624 Governors Highway, Suite 1, Flossmoor, IL, 60422
  • Lends in Illinois
  • Royalty Elite Mortgage Corp. is a Residential/Commercial mortgage brokerage company based in Flossmoor, Illinois. We serve as a premier provider of financial and strategic support for all of your real estate financing needs. Your home mortgage is a major financial commitment, and one of the most important decisions you'll make.

  • Sherwin-Williams Credit Union
  • 16230 Prince Drive, South Holland, IL, 60473
  • Lends in Illinois
  • Sherwin-Williams Credit Union We are a full service credit union that offers various deposit accounts including savings, checking, CDs, IRAs, and money markets. We also offer all kinds of loans such as mortgages, home equity loans, vehicle loans, signature loans, share secured loans, credit cards, and pay day lending for quick cash

  • Pacor Mortgage Corp.
  • 14930 S Cicero Ave, Suite 2B, Oak Forest, IL, 60452
  • Lends in Illinois
  • PACOR is an outstanding resource for mortgage financing. Now in our 34th year in the business, our management team has seen the company grow through the most challenging markets. It’s no secret that today’s real estate landscape has changed, but remaining nimble is one of our strengths.

  • First National Bank of Illinois
  • 3256 Ridge Rd, Lansing, IL, 60438
  • Lends in Illinois
  • First National Bank of Illinois offers banking solutions tailored to our customers, their needs, and our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events and throw neighborhood cookouts.

  • Acme Continental Credit Union
  • 13601 S Perry Avenue, Riverdale, IL, 60827
  • Lends in Illinois
  • Established in 1937 Acme Continental Credit Union has a long history of successful operations. The credit union is chartered by the State of Illinois and all accounts are insured to $250,000 by an agency of the U.S. government, the National Credit Union Administration. The goal of the credit union is to provide service to its depositors known to th

  • Illiana Financial Credit Union
  • 1600 Huntington Drive, Calumet City, IL, 60409
  • Lends in Illinois
  • Illiana Financial was organized in 1936 by a small group of employees working at Illinois Bell Telephone Company, a subsidiary of American Telephone & Telegraph (A.T.&T.). These volunteers formed the credit union with the philosophy of helping each other by pooling their resources together in order to loan money to each other in times of need.

  • Heights Auto Workers Credit Union
  • 13912 Torrence Avenue, Burnham, IL, 60633
  • Lends in Illinois
  • Heights Auto Workers was founded in 1956. It was a credit union formed for the workers of Ford Motor Company. Since that time we have grown to over $34 million in assets & have expanded our membership. we still believe in the credit union philosophy of:

    People helping people is the driving force behind all credit union services.