USDA VS FHA in Johnsburg, McHenry County, IL

In 2025, the USDA loan limit for Johnsburg, within the county of McHenry, IL, is $336,500. Meanwhile, the FHA limit for a single-family home is set at $472,030.

Leverage the Lendersa® USDA loan calculator to weigh today's optimal rates between USDA and FHA. It helps determine the income, credit, reserves, and documentation required to qualify. This advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, aiding you in choosing the best program in suited for your financial requirements.

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Loan Limits and Down Payment Requirements for 2025 in Johnsburg, County of McHenry, IL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Johnsburg, IL

Lendersa® is dedicated to helping you attain the best USDA or FHA loan quickly and with ease. Choose one of the three starting points to connect with lenders and find the USDA loan programs to match your needs.

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Understanding USDA Loans in IL

A USDA home loan is supported by the U.S. Department of Agriculture, commonly termed as a USDA rural development loan or mortgage. These loans are available exclusively in rural neighborhoods. Different from FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment, providing a substantial benefit to qualified applicants.

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



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  • 14159 Northwest Freeway, Houston, TX, 77040
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