USDA Vs. FHA your options comparison in Palos-Heights, Cook County, IL

For the year 2025, in Palos-Heights, situated in the county of Cook, IL, the USDA loan cap is $0, while the FHA loan ceiling is $379,500 for single-family homes.

Utilize the Lendersa® USDA loan calculator to compare the most favorable rates between USDA and FHA loans available today. This tool helps identify the necessary income levels, credit score, reserve amounts, and documents required to qualify. Our state-of-the-art calculator allows you to examine USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the most suitable option for your financial needs in .

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Loan limits and down payment prerequisites for 2025 in Palos-Heights, county of Cook, IL

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $379,500 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA loan choices in Palos-Heights, IL

The mission of Lendersa® is to secure the best possible USDA or FHA loans for you quickly and with minimal hassle. Choose from three initiatory steps that match you with lenders and USDA loan programs.

Results from Lendersa's USDA loan request and matching process

Understanding USDA Loans in IL

A USDA home loan is a government-backed financial option guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Contrary to FHA loans requiring a 3.5% down payment, the USDA mortgage allows buyers to make a purchase with no down payment required.

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



  • Quintessential Mortgage Group
  • 399 Knollwood Road, Suite 320, White Plains, NY, 10603
  • Quintessential Mortgage Group,we believe in treating customers the way we would like to be treated. We educate, advise, & empower you with mortgage planning tools to help you make informed decisions.We know you need a lot of information before you decide which mortgage broker is right for you, & we’re prepared to give you the information you need.
  • Bank of Millbrook
  • 3263 Franklin Ave., Millbrook, NY, 12545
  • Twenty years after its first business was founded, the Village of Millbrook needed a bank. The State of New York granted the Bank of Millbrook its charter on May 11, 1891, and seven days later we received our first customers on Franklin Avenue. Our first Board of Directors consisted of 15 prominent businessmen and residents of the community.
  • Brewton Mill Federal Credit Union
  • 2549 South Blvd, Brewton, AL, 36426
  • Brewton Mill Federal Credit Union was started in 1959 as Brewton CCA Federal Credit Union. In 1999 we changed our name to Brewton Mill Federal Credit. Today our membership includes: Employees of Smurfit-Stone Container Corporation Brewton Mill, Brewton Mill Federal Credit Union Employees, Members of their immediate families
  • Bank of Brewton
  • 103 Belleville Ave., Brewton, AL, 36426
  • The first president of Bank of Brewton was Charles L. Sowell. He was employed in the milling and lumber business until the Civil War broke out. He took part in the bloody battles of Murfreesboro, Mission Ridge, Lookout Mountain, Chichamauga, Franklin, and Nashville. In the Nashville battle he lost his left arm when a rifle ball shattered it.
  • M1 Capital Corp
  • 50 Main St, Suite 1000, White Plains, NY, 10606
  • M1 Capital Corp. is based in White Plains and New York City, New York and specializes in acquisition financing and refinancing outstanding CRE loans, restructuring current debt and delivering smart, effective solutions through a variety of loan options: conventional financing, private equity real estate lending, SBA 504 and 7a programs.
  • Probate Advance - Inheritance Loans
  • 100 Fisher Ave., Suite 952, White Plains, NY, 10606
  • Probate Advance is a company that focuses on providing funding options to beneficiaries and heirs of probate cases. When a beneficiary of case is in need of funding and cannot wait the months, or years, for an estate distribution we can purchase a portion of their beneficial interest, at a discount, to enable the heir to access.
  • Bank of Franklin Meadville
  • 9 Main Street East, Meadville, MS, 39653
  • Franklin County was named for philosopher and statesmen Benjamin Franklin and was one of the original counties of the state of Mississippi. In 1809, seven years prior to Mississippi’s admission into the Union as a state, the county was organized in the Mississippi Territory. A large part of the western portion of the county
  • FENG CAPITAL INC
  • 133-33 37TH AVE SUITE 9A &9 B, FLUSHING, NY, 11354
  • Feng Capital specializes in fix-n-flip loans for non-owner-occupied investment properties. We are committed to communicating openly and honestly with our clients throughout the entire funding process, educating and empowering them to ensure that they can make informed financing decisions for businesses. Our network of underwriters can approve of yo
  • NewBank
  • 146-01 Northern Boulevard, Flushing, NY, 11354
  • NewBank, an independent community bank, is dedicated to providing products and services, which satisfy the needs of our customers, stimulating economic growth in our community, enhancing the shareholders’ value, and encouraging professional success for our employees. NewBank is a state chartered commercial bank founded in Sep. 29, 2006.