USDA VS FHA in Naperville, DuPage County, IL

For 2025, the USDA loan maximum in Naperville, within DuPage County, IL, is $0. Meanwhile, the FHA sets its limit at $472,030 for single-family residences.

Utilize the Lendersa® USDA loan calculator to successfully compare today's market-leading USDA versus FHA rates. Determine the required income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, helping you choose the most appropriate program for your financial condition in .

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2025 Loan Limits and Down Payment Requirements in Naperville, DuPage County, IL

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

Options for USDA and FHA Loans in Naperville, IL

Lendersa® aims to secure you the best USDA or FHA loan quickly and effortlessly. Opt for one of three paths to find matching lenders and relevant USDA loan programs.

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What is a USDA Loan in IL?

The USDA home loan, backed by the Department of Agriculture, known also as the USDA rural development loan, is available solely in rural neighborhoods. Whereas FHA loans require a minimum 3.5% down payment, the USDA loan requires no down payment, offering a more accessible financing option.

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



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