USDA and FHA Pro and Con in Oak-Park, Cook County, IL
In 2026, the USDA loan upper limit in Oak-Park, county of Cook, IL is $0, while the FHA limit for a single-family home is $379,500.
The Lendersa® USDA loan calculator lets you compare today's top USDA and FHA rates, helping you determine the necessary income, credit score, reserves, and documents needed for eligibility. Using our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options simultaneously, guiding you to choose the best program for your financial circumstances in .
Loan limits and down payment requirements for 2026 in Oak-Park, Cook, IL
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$379,500
3.5%
Conventional Conforming
$548,250
3%
Discover USDA and FHA Loan Options in Oak-Park, IL
The goal of Lendersa® is to swiftly provide you with the best USDA or FHA loan without any hassle. Select one of three entry points that lead you to matching lenders and USDA loan packages.
A USDA home loan is backed by the government Department of Agriculture, also known as a USDA rural development loan, and is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage requires no down payment.
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