USDA Vs. FHA Pro and Con comparison in Palos-Hills, Cook County, IL

In 2025, the USDA loan limit for Palos-Hills in Cook county, IL, is $0, while the FHA limit for a single-family home is $379,500.

Take advantage of the Lendersa® USDA loan calculator to compare the best rates available for USDA vs FHA loans today, determining the income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA side by side to decide which is best for your particular financial situation in .

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2025 Loan Limits and Down Payment Requirements in Palos-Hills, Cook, IL

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

Available USDA and FHA Loan Options in Palos-Hills, IL

Lendersa® aims to get you the best USDA or FHA loan quickly and without hassle. Start with one of three options leading to matching lenders and USDA loan programs.

Lendersa USDA loan request results

Understanding USDA Loans in IL

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • Dan Joy Realty
  • 412 Laurel Avenue, Half Moon Bay, CA, 94019
  • Dan Joy Realty founder of the Dan Joy My goal is to provide you fair pricing on ANY Loan and make VA real estate transactions as seamless as possible. If there is a Veteran who can’t qualify for a loan yet, I will guide you and point to people who can help rebuild your credit and I am a specialist in the Bay Area, helping Veterans with the VA Loan.
  • Real Estate Funding Service, Inc.
  • 700 Mill Street, Suite 13, Half Moon Bay, CA, 94019
  • Real Estate Funding Service, Inc. an independent Mortgage Brokerage firm licensed in the State of California, offering 30 year fixed rate loans with "interest only" options for purchases, refinance, construction and remodel of residential & commercial real estate properties. We also offer Seconds and Home Equity Lines of Credit.
  • Tam Funding
  • 301 Rock Rose Lane, Petaluma, CA, 94952
  • Tam Funding, a professional mortgage company specializing in residential mortgages. Unlike big banks, we don’t offer a limited range of mortgage options. No two borrowers are alike, so we structure a mortgage based upon your individual needs and work with our over 80+ different mortgage programs to find the right fit for you.
  • Petaluma Home Loans
  • 628 East Washington St., Suite B, Petaluma, CA, 94952
  • Petaluma Home Loans is a local mortgage banker that is dedicated to serving our clients best interests. We specialize in Refinances and Purchases. We are dedicated to working with first time home buyers, and loans on Bank Owned and Short Sale properties, via Coventional, Jumbo, FHA and VA loans.
  • America's Home Loans
  • 11 Petaluma Blvd Suite 206, Petaluma, CA, 94952
  • America's Home Loans, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders
  • Abana Mortgage
  • 7105 East Hurlbut Avenue, Sebastopol, CA, 95472
  • Veteran Owned Mortgage Broker specializing in all types of loans - for all ages and stages of home ownership. Types of Loans: Fixed Rate Loan ARM Loan Jumbo Loan VA Loan FHA Loan Private Financing Whether you're a first time home buyer, already own a home and interested in Refinancing your current loan
  • Cottingham Mortgage, Inc.
  • 130 Petaluma Avenue, Suite 2F, Sebastopol, CA, 95472
  • Cottingham Mortgage Inc. specializes in residential mortgages, and is dedicated to community and personalized service a true advocate for clients in today’s world of complex financing. Ongoing research and training, an understanding of changing industry guidelines, additional national and state licensing, and a vast knowledge of industry resources
  • Realty World Selzer home loans
  • 551 South Orchard Ave, Ukiah, CA, 95482
  • "Selzer Realty was founded in Ukiah, CA on October 1, 1976 by present Owner/Broker Richard Paul Selzer, and joined the Realty World franchise in 1995. Our agency started small, but with a strong commitment to service and integrity, we have prospered and grown. Today, with more than 40 agents"
  • Northern Redwood FCU
  • 1270 Giuntoli Lane, Arcata, CA, 95521
  • Northern Redwood Federal CU is a local boutique credit union that has been serving the community for over 60 years. We are a service oriented credit union that offers the same great services as the larger financial institutions. We pride ourselves on knowing our members on a personal level
  • Bailey Mortgage Enterprises Inc
  • 934 H St, Arcata, CA, 95521
  • At Bailey Mortgage, our mission is to set a high standard in the mortgage industry. We are a local, family owned and operated mortgage brokerage firm with over 30 years experience. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by calling