USDA and FHA Pro and Con in Mount-Morris, Ogle County, IL

In 2025, USDA loan limit in Mount-Morris, county of Ogle, IL is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Mount-Morris, county of Ogle, IL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Mount-Morris, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Franklin Financial Group Inc
  • 755 Maidstone Court, Cincinnati, OH, 45230
  • Franklin Financial Group, Inc. is a mortgage brokerage located in Anderson Township, a suburb of Cincinnati, Ohio. We have been operating and originating mortgages in Ohio, Kentucky and Florida since 1999. To date, we have originated over $289 Million Dollars in mortgages We operate under the highest standards of honesty, integrity and fairness.
  • Citizens Home Loan LLC
  • 18468 Mack Grosse Pointe, Farms, MI, 48236
  • Citizens Home Loan Specialize in purchase and refinance transactions in Michigan and Colorado. Loan Types: Jumbo, Conventional, FHA, VA and USDA (rural development) NMLS 142908 Jay Wojciechowski 14 years of experience in Residential Mortgage Lending for purchase and refinance transactions. Conventional, FHA, VA, USDA & Jumbo
  • Hill Mortgage
  • 81 Kercheval Avenue, Suite 204, Grosse Pointe, MI, 48236
  • Hill Mortgage is based in Grosse Pointe Farms, Michigan. Founded by Jason Kaleta, Brendan Fossee & Dane Fossee. We are one of Michigan’s fastest growing mortgage brokerages. Our number one priority is customer service and creating meaningful and lasting relationships with our clients
  • First State Bank (Michigan)
  • 24300 Little Mack, Saint Clair Shores, MI, 48080
  • First State Bank is a Michigan Based Community Bank serving southeastern Michigan and is a full-service bank with 11 branches, Loan Centers in Clinton Township and Farmington Hills and headquarters in St. Clair Shores. First State Bank offers consumer and business checking and savings accounts, mortgages, home equity loans, credit cards.
  • Missouri Central Credit Union
  • 825 NE Deerbrook St Lees, Lees Summit, MO, 64086
  • Missouri Central Credit Union was organized December 28, 1931 as Missouri State Credit Union. The name was changed to Missouri Central Credit Union at a meeting of the membership on November 18, 1960. The credit union moved to Lee’s Summit in September, 1994 and quickly became involved in the thriving Lee’s Summit community.
  • ePrivate Lending
  • 200 NE Missouri Rd, Suite 200, Lees Summit, MO, 64086
  • ePrivate Lending. We are a private lender who provides financing to Real Estate Investors for single and multi-family investment property. What makes us different is we are direct with no middlemen involved. This gives our investors the highest level of service, lowest rates and costs available in private lending
  • Burlington Northtown Community Credit Union
  • 1002 Swift Street, North Kansas City, MO, 64116
  • Founded in 1928 by the employees of Burlington Railroad employees as a not-for-profit financial cooperative; BNCCU is now the oldest and one of the strongest community-chartered credit union's in the Kansas City metro. As a community credit union, we remain small enough to know and serve our members on a personable level
  • Lake Pointe Mortgage, L.L.C
  • 27735 Jefferson Ave, Saint Clair Shores, MI, 48081
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan by utilizing the 23 years of experience.
  • The Bally Team
  • 1050 Wilshire Dr, Suite 191, Troy, MI, 48042
  • The Bally Team, is a team of experts who partner with our realtors to help make sure you get put in the program/home you’ve been dreaming of. We master in all Purchase loans and Refinance loans. We offer the best debt consolidation programs around to make sure you set yourself up for the future
  • Central Bank of Kansas City
  • 2301 Independence Boulevard, Kansas City, MO, 64124
  • Central Bank of Kansas City is a local community bank that has provided financial services for individuals and businesses since 1951. Central Bank has been family-owned since the 1960s and has been certified as a Community Development Financial Institution (CDFI) since 1998 by the US Treasury Department.
  • The Peoples Bank
  • 116 South Main Street, Marion, KY, 42064
  • The Peoples Bank was founded in 1946 in Marion, KY. We currently have two locations in Marion and a full service Sales Center in Glasgow, KY that opened in 2010. We have 20 employees totaling over 150 years of banking experience. We are a small community bank offering all the products.
  • Farmers Bank & Trust Co
  • 201 S Main St, Marion, KY, 42064
  • At Farmers Bank & Trust, we want to change your ideas about what a bank can do for you. For us, doing the right thing is the only thing. Because for us, your story becomes our story. Whatever life throws at you, we’ll be right here when and where you need us—whether it’s on the same corner that we were founded on in 1899.