In 2026, the USDA loan limit for Lyons in Cook county, IL, is $0, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's optimal USDA versus FHA rates, determining the income, credit, reserves, and documentation necessary to qualify. With our cutting-edge mortgage calculator, you can simultaneously view USDA, FHA, Conforming, and VA loans to decide which program best suits your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to secure the best USDA or FHA loan for you swiftly and without hassle. Choose from three starting options to connect with compatible lenders and USDA loan offerings.
A USDA home loan is government-backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is primarily available in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, USDA mortgage loans require no down payment, making them more accessible to qualified borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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