USDA Vs. FHA Pro and Con comparison in Kildeer, Lake County, IL

In 2025, the USDA loan limit for Kildeer, situated within Lake County, IL, amounts to $0. Meanwhile, the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare top USDA versus FHA rates available today, assessing the income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, helping you select which program in best fits your financial needs.

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2025 Loan Limits and Downpayment Requirements in Kildeer, Lake County, IL

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

Options for USDA and FHA Loans in Kildeer, IL

Lendersa® aims to promptly secure for you the optimal USDA or FHA loan, making the process effortless. Start with any of the three options to connect you with matching lenders and USDA loan programs.

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Details on USDA Loans in IL

A USDA home loan, assured by the government's Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is intended for rural areas exclusively. Distinct from FHA loans, which require a minimum down payment of 3.5%, USDA loans demand no down payment, making them a valuable option for qualifying rural buyers.

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



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  • Homespire Mortgage is an award-winning mortgage lender, proudly operating branches across 36 states. Whether you’re buying a home or refinancing, you’ve come to the right place. At Homespire Mortgage, we’ve completely re-invented the mortgage process to create a worry-free and hassle-free mortgage experience for you.
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  • 7512 Dr. Phillips Blvd, Orlando, FL, 32819
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  • American Liberty Mortgage – Orlando, FL is committed to providing our clients with smooth mortgage transaction combined with the lowest rates available in Orlando and all throughout Florida. We are a mortgage company committed to helping our clients secure the best home loans. American Liberty Mortgage, Inc.
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  • "All Florida Home Loans offers a wide range of mortgage options to meet your financial needs. Whether you’re a first-time home buyer, a seasoned investor, interested in cashing out equity, or venturing into a commercial property, we're here to guide you all the way - drama free."
  • Innovative Mortgage Services
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  • Innovative Mortgage our goal is to offer you unparalleled service and extremely competitive Florida mortgage rates in minutes. Our wide selection of loan products help us provide the perfect mortgage to fit for your specific Florida home buying or refinance needs. Our mission is to serve our customers with honesty, integrity and competence.