USDA and FHA Pro and Con in Roscoe, Winnebago County, IL

In 2026, the USDA loan cap in Roscoe, Winnebago county, IL is $336,500, while the FHA maximum is $472,030 for a single-family home.

Utilize the Lendersa® USDA loan calculator to compare top USDA vs. FHA rates, determining needed income, credit, reserves, and documents for qualification. Our calculator lets you compare USDA, FHA, Conforming, and VA programs to identify the best fit in .

Explore loan offers from 100 lenders

2026 Loan Limits and Downpayment Guidelines in Roscoe, Winnebago, IL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loans in Roscoe, IL

Lendersa® focuses on providing speedy and hassle-free USDA or FHA loans. Choose one of three starting steps to connect with lenders and USDA programs.

Loan request matching result

Understanding USDA Loans in IL

The USDA home loan, backed by the Department of Agriculture, is for rural areas only. Unlike FHA loans needing 3.5% down, USDA loans require none.

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



Roscoe Lenders

  • LINXUS CU
  • 1405 West Lane Road, Suite A, Machesney Park, IL, 61115
  • Lends in Illinois
  • LinXus Credit Union (formerly Rockford Postal Employees Credit Union) is a not-for-profit financial organization owned by more than 2500 members. The credit union was organized to help provide personal financial services, such as savings and loans. Today, LinXus Credit Union strives to continue great member service by offering higher dividends

  • Rock Valley Credit Union
  • 1201 Clifford Ave, Loves Park, IL, 61111
  • Lends in Illinois
  • Rock Valley Credit Union is a full-service financial institution serving members since 1968. The credit union now serves approximately 13, 000 members. Our main office is located in Loves Park, IL with branch offices in Machesney Park and Rochelle. Rock Valley Credit Union currently serves

  • Rockford Municipal Employees Credit Union
  • 634 N Church Street, Rockford, IL, 61103
  • Lends in Illinois
  • Rockford Municipal Employees Credit Union has been serving our members since 1942 offering a variety of quality financial services. Charted on July 14, 1942, the original office was located at the Water Department with Wesley Johnson at the helm for many years. in August 1992, Rock-Winn Credit Union who served Winnebago county employees

  • Illinois Bank & Trust
  • 6855 East Riverside Boulevard, Rockford, IL, 61114
  • Lends in Illinois
  • We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.

  • MembersAlliance Credit Union
  • 2550 South Alpine Road, Rockford, IL, 61108
  • Lends in Illinois
  • At MembersAlliance, our purpose is to enrich the lives of those we serve through financial service. Your financial freedom is closer than you may think. Aiming to maximize your experience regardless of whether you’re engaging with our team in branch, online, or in the community, we want you to save more

  • Generations Credit Union
  • 5618 Harrison Avenue, Rockford, IL, 61108
  • Lends in Illinois
  • Generations Credit Union We're a solid, community based, full service credit union where you're more than just an account number. You're an owner. We'll provide you with a high quality, full line of financial services at the lowest cost and highest rate of return, delivered in a personal, friendly atmosphere. Every transaction is backed by a smile