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

As of 2025, the USDA loan ceiling in Lansing within the county of Cook, IL stands at $0, whereas the FHA capped limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to juxtapose the current best rates for USDA and FHA loans. Assess the necessary income, credit level, reserves, and documentation to qualify. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping you determine the optimal choice for your financial scenario in .

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2025 loan limits and down payment guidelines in Lansing, Cook County, IL

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

Examine USDA and FHA loan choices in Lansing, IL

The aim of Lendersa® is to swiftly and effortlessly ensure you secure the best USDA or FHA loan. Initiate one of the three starting pathways, leading to lenders and USDA loan plans that align with your needs.

Lendersa USDA loan request and match outcomes

Understanding USDA Loans in IL

The USDA home loan program, supported by the Department of Agriculture, also called the USDA rural development loan or USDA mortgage, is accessible solely in rural zones. In contrast to FHA loans, which necessitate a minimum down payment of 3.5%, a USDA mortgage requires no down payment at all.

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



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