USDA VS FHA in Midlothian, Cook County, IL

In 2025, the USDA loan limit for Midlothian, located in Cook county, IL, is $0. For a single-family home, the FHA limit is set at $472,030.

Leverage Lendersa®'s USDA loan calculator to explore top USDA versus FHA rates today, determining the needed income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA options are presented side by side to help decide which best fits your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Midlothian, Cook, IL

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

USDA and FHA Loan Options in Midlothian, IL

Lendersa®'s mission is to efficiently provide you with the optimal USDA or FHA loan. Begin with one of three pathways connecting you to matching lenders and USDA loan programs.

Results of Lendersa USDA loan request

Understanding USDA Loans in IL

A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, and is available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require none.

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



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