USDA Vs. FHA your options comparison in Lake-in-the-Hills, McHenry County, IL
In the year 2025, the USDA loan limit for Lake-in-the-Hills, in McHenry county, IL, is $303,600, while the FHA limit for a single-family home is set at $379,500.
You can use the Lendersa® USDA loan calculator to evaluate and compare the top USDA and FHA rates available today. Determine the required income, credit score, reserves, and necessary documents needed for qualification. The advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side-by-side, aiding in choosing the most suitable program for your specific financial needs in .
2025 Loan Limits and Down Payment Requirements in Lake-in-the-Hills, McHenry, IL
Loan Type
Loan Limit
Down Payment
USDA
$303,600
0%
FHA
$379,500
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Lake-in-the-Hills, IL
Lendersa®'s mission is to deliver the best USDA or FHA loan options to you promptly and without complications. Choose one of three starting options to connect with lenders and the right USDA loan programs.
A USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a government-backed option available in rural areas only. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages come with no down payment requirement, offering a distinctive advantage.
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