For 2026, the USDA loan cap in Oswego, within Kendall county, IL, is $336,500. In comparison, the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to assess the best current USDA and FHA rates, determining the needed income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the optimal program for your financial situation in Alabama.
Review offers from 100 lenders to find the ideal match for your needs.
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to help you quickly secure the best possible USDA or FHA loan without hassle. Begin with one of three paths to connect with lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage provided by the Department of Agriculture, also known as the USDA rural development loan. It is available only for rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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