USDA and FHA Pro and Con in Homewood, Cook County, IL

In 2025, 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 .

Compare offers from 100 lenders

2025 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?



  • CHICAGO FIREFIGHTERS CREDIT UNION
  • 6230 S Central Avenu, Chicago, IL, 60638
  • Chicago Firefighters Credit Union was founded as 2nd Division Credit Union in 1937 to serve fire department employees in the City of Chicago. At a time when the nation’s financial system was still reeling from the Great Depression, many banks just weren’t addressing the concerns of average working people.
  • Archer Heights Credit Union
  • 6554 W Archer Avenue, Chicago, IL, 60638
  • Archer Heights Credit Union is a not-for-profit financial cooperative owned by its members. Credit Unions were founded on the idea that through a cooperative financial effort, individuals sharing common bonds could benefit. Credit Unions promote thrift, and income is passed along to its members in the form of higher dividends on savings accounts,
  • Metropolitan Mortgage Corp.
  • 7018 W. Archer Ave, Chicago, IL, 60638
  • With over 20 years of mortgage experience we serve our customers with honesty, integrity and competence to help them get best possible financial solutions to fulfill their dreams. Our goal is to help our clients to get home loans while providing them with the lowest interest rates and closing costs possible
  • Prime Rate Lending Group Inc
  • 6501 West Archer Avenue, Chicago, IL, 60638
  • Prime Rate Lending Group There are hundreds of mortgage products out there, we can present you the knowledge to help you make the right decision for you and your family and place your loan with a lender that best fits your needs With over 20 years of lending experience, we can assure you a through process and quality of service
  • Draper and Kramer Mortgage Corp.
  • 1431 Opus Place, Suite 200, Chicago, IL, 60615
  • Draper and Kramer Mortgage Corp. is the residential mortgage division of Draper and Kramer, one of the country’s premier full-service property and financial services firms. While still a family-owned company headquartered in Chicago, we help identify and structure mortgage financing programs for clients across the United States, and have been doing
  • South Side Community Federal Credit Union
  • 5401 S Wentworth Avenue, Number 25, Suite 19E, Chicago, IL, 60609
  • Our mission is to equalize economic power and to fight poverty by improving financial literacy and providing access to credit and savings services for our members. We are working to create and maintain an accessible, full service federal credit union organization, which is owned and managed by its members.
  • 77th Street Depot FCU
  • 5401 South Wentworth Avenue, Unit 26, Chicago, IL, 60609
  • The 77th Street Depot Federal Credit Union was founded in 1938, The original field of membership was and is Chicago Transit Authority employees and their family members. The Credit Unions were founded on the idea that though a cooperative financial effort, individuals sharing common bonds could benefit.
  • FNBC Bank & Trust
  • 620 West Burlington Street, La Grange, IL, 60525
  • FNBC Bank & Trust is a community bank with long standing connections to the communities which we serve. With over $500 million in assets, our banking offices provide a full range of personal and commercial deposit, loan, and trust services. FNBC offers a complete array of financial services with solutions for all financial needs in one place.
  • Countryside Bank
  • 6734 Joliet Road, Countryside, IL, 60525
  • Countryside Bank is part of Wintrust, a financial holding company based in Rosemont, Illinois, with more than $36 billion in assets. Through our multiple companies and divisions, we provide traditional community banking and commercial banking services, wealth management solutions, commercial and life insurance premium financing, mortgage originatio
  • Midwest Coalition of Labor Credit Union
  • 6240 Joliet Rd, Countryside, IL, 60525
  • The Midwest Coalition of Labor Credit Union (MCLCU) is a member-owned, not for profit financial organization dedicated to providing a full range of financial services. Our Mission is to ensure the long-term stability, managed growth, and the members'​ continued trust and loyalty in our credit union.
  • Lending Leaf Co
  • 9908 West 55th Street, Countryside, IL, 60525
  • Lending Leaf Co. is a Mortgage Broker who provides a variety of mortgage products to assist you with finding solutions to all of your mortgage needs. Our company works with Certified Underwriters which allows issuing a decision on your application quickly. We maintain a dedicated professional sales and operations staff.
  • Amiachi Property Advisers
  • 4625 S. Calumet, Chicago, IL, IL, 60653
  • Elevate your real estate journey with Amiachi Property Advisers. Led by Melissa Pitts, we offer tailored property solutions that redefine client satisfaction. With a commitment to integrity and excellence, trust us to guide you through every investment decision. Choose Amiachi for unmatched expertise and personal dedication, turning your real estat