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

In 2026, the USDA loan limit in Matteson, within Cook of IL, is $0. Meanwhile, for a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's best USDA against FHA rates, and identify the necessary income, credit, reserves, and documents needed for qualification. With our cutting-edge mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the ideal program for your financial scenario in Alabama.

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2026 Loan Limits and Down Payment Requirements in Matteson, Cook, IL

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

USDA & FHA Loan Options in Matteson, IL

At Lendersa®, we aim to secure you the best USDA or FHA loans promptly, without hassle. Begin with one of three starting methods to find matching lenders and explore USDA loans.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan is supported by the government, or USDA rural development loan, or USDA mortgage, exclusively available in rural locations. Unlike FHA loans that necessitate at least a 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?



  • Coda Financial Group Inc
  • 2421 75th St, Woodridge, IL, 60517
  • Coda Financial Group Inc have a 30+ Years of Experience Residential, Investment, and Commercial Loans Setting the pace Helping our clients through the real estate buying process and also we 30+ Years of Experience. Residential, Investment, and Commercial Loans Setting the pace. Helping our clients through the real estate buying process.

  • Home Mortgage Solutions Inc
  • 6825 Hobson Valley Drive, Suite 201, Woodridge, IL, 60517
  • We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process. Our website offers a variety of online application options.

  • FNBC Bank & Trust
  • 620 West Burlington Street, La Grange, IL, 60525
  • FNBC Bank & Trust is a community bank with long standing connections to the communities which we serve. With over $500 million in assets, our banking offices provide a full range of personal and commercial deposit, loan, and trust services. FNBC offers a complete array of financial services with solutions for all financial needs in one place.

  • Countryside Bank
  • 6734 Joliet Road, Countryside, IL, 60525
  • Countryside Bank is part of Wintrust, a financial holding company based in Rosemont, Illinois, with more than $36 billion in assets. Through our multiple companies and divisions, we provide traditional community banking and commercial banking services, wealth management solutions, commercial and life insurance premium financing, mortgage originatio

  • Midwest Coalition of Labor Credit Union
  • 6240 Joliet Rd, Countryside, IL, 60525
  • The Midwest Coalition of Labor Credit Union (MCLCU) is a member-owned, not for profit financial organization dedicated to providing a full range of financial services.

    Our Mission is to ensure the long-term stability, managed growth, and the members'​ continued trust and loyalty in our credit union.

  • Lending Leaf Co
  • 9908 West 55th Street, Countryside, IL, 60525
  • Lending Leaf Co. is a Mortgage Broker who provides a variety of mortgage products to assist you with finding solutions to all of your mortgage needs. Our company works with Certified Underwriters which allows issuing a decision on your application quickly. We maintain a dedicated professional sales and operations staff.

  • REGIONAL federal credit union
  • 7144 Kennedy Avenue, Hammond, IN, 46323
  • REGIONAL Federal Credit Union is a member-owned and operated financial institution serving Northwest Indiana since 1961 The most comforting part about savings accounts at REGIONAL is the element of safety. Your accounts are federally insured by the National Credit Union Administration, an agency of the Federal Government, for up to $250,000

  • FinAns Federal Credit Union
  • 7017 Kennedy Avenue, Hammond, IN, 46323
  • 1936 the Finans Federal Credit Union has been serving its members in the HAMMOND, Indiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages.

  • Synergy Partners Credit Union
  • 11615 S Avenue O, Chicago, IL, 60617
  • The Synergy Partners Credit Union has a great history behind it. Founded in 1935 as the Republic Steel Employees Credit Union of South Chicago, the credit union grew primarily on the strength of the steel industry. This lasted for over fifty years.

    In 1985 the credit union changed its name to the Calumet Region Credit Union.

  • SIC Funds
  • 2418 W. Marquette Rd. 1st Floor, Chicago, IL, 60629
  • In September of 2018 Secure Investor Capital, Inc. (SIC Funds) became a nationwide direct lender for 1-4 unit non-owner rehab fix & flip business loans. SIC founded in 2010 in Elmhurst Illinois has also became a lender in the great states of Illinois, Florida and Michigan (Nationwide) for small balance commercial bridge loans.

  • Smart Mortgage Center - Patty Harrison
  • 16151 S Lincoln Highway, Plainfield, IL, 60586
  • Smart Mortgage Centers is a Better Business Bureau A+ rated Mortgage Company. We are a family owned and operated business helping the community obtain mortgages for purchase and refinancing since 1997. At Smart Mortgage Centers, we work with over 30 of the top lenders in the industry to help find you the best rate

  • CHICAGO FIREFIGHTERS CREDIT UNION
  • 6230 S Central Avenu, Chicago, IL, 60638
  • Chicago Firefighters Credit Union was founded as 2nd Division Credit Union in 1937 to serve fire department employees in the City of Chicago. At a time when the nation’s financial system was still reeling from the Great Depression, many banks just weren’t addressing the concerns of average working people.