USDA Vs. FHA Pro and Con comparison in Pistakee-Highlands, McHenry County, IL

In 2025, USDA loan limit in Pistakee-Highlands, county of McHenry, IL is $303,600 while FHA limit is $379,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Pistakee-Highlands, county of McHenry, IL

Loan Type Loan Limit Down payment
USDA $303,600 0%
FHA $379,500 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Pistakee-Highlands, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Fidelity First Home Mortgage Company
  • 707 Bestgate Rd, Annapolis, MD, 21401
  • Get to know the management team and loan specialists that make our mortgage company in Annapolis, MD, a vital part of the Mid-Atlantic communities we serve. We provide each client with a mortgage marketplace that includes a multitude of options. Tell us more about the financial challenges you face,
  • Navigator Private Capital LLC
  • 1910 Towne Centre Blvd, Suite 250, Annapolis, MD, 21401
  • Navigator Private Capital, LLC (NavCap) believes in the power of capital investment to transform neighborhoods and improve lives. We fund short-term, low-risk development projects throughout under served communities across the country. NavCap meets a critical need not satisfied by traditional commercial investment vehicles.
  • Connects Federal Credit Union
  • 7700 Shrader Road, Richmond, VA, 23228
  • Connects Federal Credit Union is an independent, not-for-profit financial cooperative. Connects FCU is owned by its members, who are shareholders. Member share deposits provide the funds for loans to members and the income from loan interest is used to meet expenses and pay dividends on member accounts.
  • Direct Mortgage Brokers, LLC.
  • 2103 East Parham Road, Suite 210, Henrico, VA, 23228
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Gouverneur Savings and Loan Association
  • 20 John Street, Gouverneur, NY, 13642
  • It is our mission to invest in, support and nurture the communities we serve. We will endeavor to be a supportive financial partner and we shall provide a close, personal and confidential relationship for each of our customers consistent with safe banking practices. It is our mission to provide a challenging and rewarding environment for our staff.
  • MAK Financial
  • 5609 B Patterson Ave, Richmond, VA, 23226
  • MAK Financial is a boutique mortgage company serving the entire state of Virginia from our Richmond Headquarters. Our business is completely built on the referrals from our past clients, Realtors, financial advisors & other lending institutions.Our reputation as fair, honest & ethical & has allowed our firm to prosper on repeat business.
  • Sidney Federal Credit Union
  • 42 Union Street, Sidney, NY, 13838
  • Sidney Federal Credit Union offers convenient locations throughout Chenango, Otsego, & Delaware Counties with branches in Sidney, Norwich, Bainbridge, Oneonta, Greene, Hancock, Walton, & Delhi. Sidney Federal Credit Union is a federally insured financial institution - banking. easier.
  • Emerald Credit Association FCU
  • 2117 Kateway, Greenwood, SC, 29646
  • Emerald Credit Association FCU, you’re not just a customer but part-owner of your credit union.Member assets are pooled to provide loans & other financial services to fellow members.Credit unions are not-for-profit, which means that instead of dividends going to shareholders, profits are put back into the credit union to bring members lower fees.