In 2026, the USDA loan cap for Marengo, located in the county of McHenry, IL, is set at $336,500, whereas a single-family home under FHA guidelines has a limit of $472,030.
Utilize the Lendersa® USDA loan calculator to contrast today's best USDA and FHA rates, and understand the income, credit, reserves, and documents necessary for qualification. Our state-of-the-art mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the best program in
| Type of Loan | Loan Cap | Initial Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our ambition is to streamline your process of securing an optimal USDA or FHA loan efficiently and effortlessly. Choose from one of three starting options that align you with suitable lenders offering USDA loan programs.
A USDA home loan, endorsed by the U.S. Department of Agriculture, is sometimes called a USDA rural development loan or mortgage and is exclusively available in rural areas. Unlike the FHA loans requiring 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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