USDA and FHA Pro and Con in Loves-Park, Winnebago County, IL

In 2025, the USDA loan limit in Loves-Park, within the county of Winnebago, IL is $285,000. For a single-family home, the FHA limit is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the leading USDA vs. FHA rates available today. Determine the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side, aiding your decision for the most appropriate financial plan in .

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2025 Loan Limits and Down Payment Requirements in Loves-Park, Winnebago, IL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA Loan Options in Loves-Park, IL

Lendersa® aims to swiftly secure the best USDA or FHA loans for you without any hassle. Start by choosing one of three pathways that connect you with lenders and USDA loan programs.

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Understanding USDA Loans in IL

The USDA home loan, guaranteed by the Department of Agriculture—also called a USDA rural development loan or USDA mortgage—is available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment.

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



  • Coastal Pacific Mortgage
  • 1 West Elm Street, First Floor, Conshohocken, PA, 19428
  • Coastal Pacific Mortgage, our mission is to set a high standard in the mortgage industry. We take great pride in giving quality customer service by putting the people we serve first. We believe the foundation for lasting relationships is consistency and communication. Our goal is to carefully guide you through the home loan process.
  • Main Street Mortgage Company
  • 147 Rebel Hill Road, Conshohocken, PA, 19428
  • Main Street Mortgage Company prides itself on exceeding our clients’ expectations in finding the ideal home loan for their situation. For more than 8 years, our team has provided quality service to every client that we’ve worked with. Whether you want the lowest possible rate or a complex financing package.
  • The Hussey Team
  • 706 Fayette St, Suite C, Conshohocken, PA, 19428
  • Buying a new home is an experience that lasts a lifetime, so why not have memorable one? The Hussey Team strives to make this happen. There could be some turbulence along the way, but it takes the right team to counsel all parties involved to reach a solution. We are mortgage advisors that work fast, accurately, and have fun.
  • Real Property Capital
  • 303 Harry Street, Conshohocken, PA, 19428
  • RPC offers a variety of loan types tailored to suit any commercial real estate requirement. These include permanent loans for both refinance and acquisition, construction loans, bridge loans, mezzanine/preferred equity, and traditional equity. Although we do not recommend hard money loans.
  • Cross Country Mortgage
  • 625 West Ridge Pike Building A, Conshohocken, PA, 19428
  • First Choice Mortgage Advisors has a highly knowledgeable staff in Pennsylvania, we truly encompass the word TEAM. Priding ourselves in top notch COMMUNICATION, we work seamlessly together to provide all Pennsylvania residents with the highest quality home loans. Whether you are looking to build your dream home, purchase a home, refinance
  • COLONIAL MORTGAGE ADVISORS LLC
  • 625 W Ridge Pike, Conshohocken, PA, 19428
  • Founded in 2011, the key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity. We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution.
  • First State Bank
  • 300 Broad Street, Wrens, GA, 30833
  • We prefer to put people first. So, we made sure everything we do provides real value to our friends and neighbors. With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving the citizens of Jefferson County and surrounding areas since 1964. A branch office was opened in 2002 in Americus,
  • TES Regional Healthcare Federal Credit Union
  • 2050 Line Avenue, Shreveport, LA, 71104
  • TES Regional Healthcare Federal Credit Union, owned by the membership, is committed to the healthcare field in eight parishes of Louisiana. Our mission as stewards of the credit union include providing the best possible service and developing products that meet the needs of the membership.
  • Choptank Oyster Mortgage, LLC
  • 213 Sunburst Hwy, Suite 1, Cambridge, MD, 21613
  • At Oyster Mortgage, we believe that customer service is a value worth its weight in gold. That's why we try and personalize every step of the loan process from application to settlement. In home appointments and settlements are the norms, not the exception with us. Our loan consultants take the time to sit down with our customers.