USDA VS FHA in Richton-Park, Cook County, IL

For 2025, the USDA loan limit in Richton-Park, located in Cook county, IL, is $0, while the FHA limit for a single-family home is $379,500.

Leverage the Lendersa® USDA loan calculator to weigh today's optimal USDA vs. FHA rates and determine the required income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side-by-side, guiding you to select the most suitable program for your financial circumstances in .

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2025 Loan Limits and Downpayment Requirements in Richton-Park, Cook county, IL

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

USDA and FHA Loan Options in Richton-Park, IL

Lendersa® aims to secure you the best possible USDA or FHA loan quickly and hassle-free. Begin with one of three initial steps leading to matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

The USDA home loan, backed by the government Department of Agriculture and also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, a USDA mortgage loan involves no down payment.

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



  • Peoples Bank of Kankakee County
  • 333 E. Court Street, Kankakee, IL, 60901
  • Peoples Bank was founded as People’s Bank Marycrest with its first location opening in the Marycrest neighborhood on East Court Street in May, 1962. The Bank was founded by Ford auto dealer, real estate developer, and philanthropist Romy Hammes. Romy established the Bank after recognizing a need for greater local decision making.
  • Northside L Federal Credit Union
  • 1419 W Roosevelt Road, Broadview, IL, 60155
  • Northside L Federal Credit Union was originally chartered in 1937 for employees of the CTA. This credit union is one of the oldest CTA credit unions. Membership now includes employees of Metra, Pace and the RTA; family members as well as retired employees are also eligible for membership.
  • Access Credit Union
  • 1807 W Cermak Road, Broadview, IL, 60155
  • Access Credit Union has been open since 1998. The credit union has assets totaling $61.42 Million and provides banking services to more than 5,000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • CBI Federal Credit Union
  • 13717 S Route 30, Unit 157, Plainfield, IL, 60544
  • CBI Federal Credit Union is a Federal Credit Union with 2 branches, assets of $18,174,185 that is headquartered in Plainfield, IL. CBI Federal Credit Union is chartered by the National Credit Union Association (NCUA) to serve the employees of CB&I Company, its wholly owned subsidiaries and their family members.
  • Smart Mortgage Center - Patty Harrison
  • 16151 S Lincoln Highway, Plainfield, IL, 60586
  • Smart Mortgage Centers is a Better Business Bureau A+ rated Mortgage Company. We are a family owned and operated business helping the community obtain mortgages for purchase and refinancing since 1997. At Smart Mortgage Centers, we work with over 30 of the top lenders in the industry to help find you the best rate
  • Abri Credit Union
  • 1350 Renwick Rd, Romeoville, IL, 60544
  • Abri Credit Union is a community based financial institution headquartered in Romeoville, IL. There are community branches located in Frankfort, Joliet, Lockport, Plainfield, and Woodridge. There are also branches with limited access located at Argonne National Laboratory, Fermi National Laboratory, and the Joliet Township High Schools.
  • Oak Leaf Community Mortgage
  • 24252 W. Main Street, Plainfield, IL, 60544
  • We focus on providing our customers purchase and refinance options that fit their needs. We specialize in home purchase, refinance, rehabilitation and new constructions loans. We have the ability to lend in 46 states and would love the opportunity to help you find a solution that fits your needs.
  • RDS Mortgage Corporation
  • 14722 South Naperville Road, Unit 104, Plainfield, IL, 60544
  • RDS Mortgage Corporation, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.