USDA Vs. FHA your options comparison 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?



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