USDA Vs. FHA your options comparison in Poplar-Grove, Boone County, IL

In 2025, the USDA loan limit for Poplar-Grove, located in Boone county, IL, is $285,000, while the single-family home FHA limit is $356,362.

Leverage the Lendersa® USDA loan calculator to compare today’s best USDA vs. FHA rates and identify the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA programs side by side, helping you choose the ideal plan in tailored to your financial situation.

Compare loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Poplar-Grove, Boone, IL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Poplar-Grove, IL

The objective of Lendersa® is to swiftly secure you the best USDA or FHA loan without hassle. You can select from three starting points that connect you with matching lenders and USDA loan offerings.

Lendersa USDA loan request and results

Understanding USDA Loans in IL

A USDA home loan, supported by the Department of Agriculture—also known as a USDA rural development loan or mortgage—is accessible only in rural regions. Different from FHA loans requiring a 3.5% down payment, USDA loans have no down payment requirement, providing an affordable path to homeownership for eligible rural applicants.

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



  • Integrity Capital Inc
  • 11300 Sorrento Valley Road, Suite 103, San Diego, CA, 92121
  • "Integrity Capital is a leading hard money lender based in San Diego, CA. We specialize in real estate loans on all types of commercial and residential real estate. We are structured so that you speak directly to the decision maker. Loans can be funded as quickly as 3 days from receiving all due diligence documents"
  • First Security Mortgage
  • 11839 Sorrento Valley Rd., Suite 903, San Diego, CA, 92121
  • "First Security Mortgage is a family owned and operated company that has been arranging private money loans for California residents since 1972 Founded in 1972 and located in San Diego Ca., First Security Mortgage Home Loans Inc is a broker and Servicing Company for Hard Money Loans. We originate Real Estate Loans in California only
  • Summit Funding Inc.
  • 5414 Oberlin Dr UNIT 305, San Diego, CA, 92121
  • Our goal is to become your professional mortgage resource not just for this transaction, but for all your financing needs in the future. Our time and resources are spent making your next real estate finance experience the best you've ever had. We take great pride in building lifelong relationships. In fact, we guarantee you an experience unlike an
  • Lantzman Lending
  • 11696 Sorrento Valley Rd, Suite 201, San Diego, CA, 92121
  • We are a direct hard money lender providing same day loan commitments and fundings within your closing timelines (within a few days if necessary) We do not issue loan commitments only to have to raise money for the funding of a particular loan. We are a Direct Lender with the capital readily available.
  • Adonai King LLC
  • 6828 Quebec Ct Unit 4, San Diego, CA, 92139
  • No Doc' financing to acquire that lucrative piece of investment real estate property? Adonai King LLC, specialize in multifamily, apartment building, strip mall, office building, warehouse and most categories of fixed income producing residential and commercial properties. Our nationwide asset-based funding platform requires NO tax returns, NO f
  • Home Loan Credit Corporation
  • 1440 N Harbor Blvd, Suite 305, Fullerton, CA, 92835
  • Home Loan Credit Corporation has several programs designed to help you overcome your financial challenge. Contact one of our friendly representatives to see what options may be available for you. Whether you have questions about your loan, your Payment Options or are having trouble making your payments, Home Loan Credit Corp is here to assist you.
  • Giving Tree Lending
  • 1440 N. Harbor Boulevard, Suite 900, Fullerton, CA, 92835
  • Giving Tree Lending (GTL), we operate for the sole purpose of providing low-cost mortgage financing to all. Our commitment to client service ensures a hassle-free and financially satisfying consumer experience.By maintaining a vast network of banking relationships, we have access to the most favorable terms available.
  • Phyllis Group
  • 2830 Brea Blvd, Fullerton, CA, 92835
  • TNG Real Estate is comprised of an elite community of agents covering the greater Southern California area and we are committed to bringing you the very best selling and buying options. Our priority is to capture your vision and make it a reality by creating a personal relationship with you and your lifestyle.
  • Legacy Financial Services
  • 669 Tyler Dr, Fullerton, CA, 92835
  • "At Legacy Financial Services, we not only help you with your mortgage, but we also want to be your ""mortgage advisor for life."" There is more than just finding a home loan in California. You need the expertise of a ""mortgage advisor"" that can review your whole financial situation and recommend the right loan program for you."
  • Menconi & Associates / California Mortgage Group
  • 1370 N. Brea Blvd, Suite 203, Fullerton, CA, 92835
  • Menconi & Associates / California Mortgage Group began within the mid 1980’s with associates from our current company. Then, in 2002, through the efforts of Mr. Menconi it became a family-owned company. To date, several members of the Menconi family have performed various functions within Menconi & Associates / California Mortgage Group.
  • J&J Associates
  • 2820 Birch Place, Fullerton, CA, 92835
  • We have been conducting business in the local area for many years. We have and continue to work hard to gain the respect of these many distinguished communities. This recognition is built upon a respect for our clients and neighbors. We hope your experience with us will further this reputation of personalized service and client satisfaction.