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

In 2025, the USDA loan cap in Northbrook, within Cook county, IL, is $0, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to assess today's leading USDA versus FHA rates. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .

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Loan limits and downpayment requirements for 2025 in Northbrook, Cook county, 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 Northbrook, IL

Lendersa® aims to provide you with the best USDA or FHA loan quickly and without stress. Begin with one of three starting points that align lenders with USDA loan programs.

Lendersa USDA loan inquiry and matching results

Understanding USDA Loans in IL

A USDA home loan, guaranteed by the government Department of Agriculture, known as a USDA rural development loan, is available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.

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



  • CCM Commercial Mortgage, LLC
  • 8052 Monticello, Suite 106, Skokie, IL, 60076
  • CCM has long-standing relationships with a cadre of lenders nationwide who consistently value the lending opportunities that CCM clients bring to the table. Lenders know that when they receive a loan request from CCM, it is thorough, complete and has been underwritten and vetted.
  • Starlight Home Mortgage
  • 4106 Oakton Street, Skokie, IL, 60076
  • 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.
  • ELCA Federal Credit Union
  • 8765 W Higgins Road, Suite 675, Chicago, IL, 60631
  • The ELCA Federal Credit Union was created by the ELCA to provide additional financial services to ELCA members, employees of synods, congregations or any other ELCA-related ministry. Ecumenical partners of the ELCA are welcome to request the ELCA Federal Credit Union's services for their denomination.
  • Forum Mortgage Bancorp
  • 7221 West Touhy, Chicago, IL, 60631
  • Forum Mortgage Bancorp., an Illinois Residential Mortgage Licensee, specializing in residential and commercial mortgage financing. Our firm works & maintains close working relationships with over 50 reputable banking institutions. Thus, Forum Mortgage Bancorp. is able to offer an extensive range of mortgage programs at the most competitive rates.
  • NorthPoint Lending Group Inc
  • 7434 North Harlem Avenue, Chicago, IL, 60631
  • 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.
  • Integra Financial Group Inc
  • 6565 North Avondale, Suite 200, Chicago, IL, 60631
  • Integra Financial Group is an Illinois Residential Mortgage Licensee, specializing in residential mortgages, refinance, home equity loans and more. Our mission is to continue to be committed to improving the lives of our customers by providing quality services and a competitive range of mortgage solutions through integrity and accountability.
  • Lake Forest Bank & Trust Company, National Association
  • 727 N. Bank Lane, Lake Forest, IL, 60045
  • Lake Forest Bank & Trust Company is a true community bank. Our promise is to provide customers with good old-fashioned personal service and a broad range of quality financial products. Being a locally controlled and managed bank gives us the unique ability to make decisions more quickly and to provide more customized services.
  • DIAMOND RESIDENTIAL MORTGAGE CORPORATION
  • 582 Oakwood Ave, Lake Forest, IL, 60045
  • Diamond Residential Mortgage is committed to helping our customers find the right mortgage product for their needs. We understand every borrower is different and we offer a wide variety of products to meet individual requirements. We make the process of securing a mortgage simple and straightforward by offering the latest financial tools.
  • Mortgage Store Co
  • 1311 S Princeton Ave, Arlington Heights, IL, 60005
  • The Mortgage Store Co., where we specialize in residential mortgages. At The Mortgage Store Co., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • HomeSmart International, LLC
  • 3030 Salt Creek Ln, Suite 145, Arlington Heights, IL, 60005
  • In 2000 HomeSmart announced its Grand Opening with only two Agents. A reputation for advanced technologies soon followed. As a result, HomeSmart rapidly developed into the #1 Real Estate brokerage in size and sales volume in the Phoenix, Arizona area. With a commitment to its Agents and Clients, HomeSmart grew to over 8, 000 agents worldwide.
  • AAEC Credit Union
  • 1104 S. Arlington Heights Rd, Arlington Heights, IL, 60005
  • AAEC Credit Union has assets of approximately 84 million dollars. We offer a full range of financial services designed to help our members manage their money effectively.AAEC is a state chartered institution and all deposits are insured up to $250, 000 by the National Credit Union Administration (NCUA), an agency of the federal government
  • Colin Barr, Mortgage Broker
  • 2340 S Arlington Heights Rd, Arlington Heights, IL, 60005
  • Colin Barr, Mortgage We know how overwhelming the process of buying a home is, especially if it is the first time that you're doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you.