USDA Vs. FHA your options comparison in Sandwich, DeKalb County, IL

In 2025, the USDA loan limit for Sandwich in DeKalb county, IL, is $336,500, while for a single-family home, the FHA limit is $472,030.

Use the Lendersa® USDA loan calculator to compare the best current rates of USDA versus FHA loans, and determine the income, credit, reserves, and documents needed for qualification. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program in for your specific financial situation.

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Loan Limits and Down Payment Requirements for 2025 in Sandwich, DeKalb County, IL

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

USDA and FHA Loan Options in Sandwich, IL

The aim of Lendersa® is to help you obtain the best possible USDA or FHA loan promptly and without difficulty. Choose from one of three approaches to find lenders and USDA loan programs that fit your needs.

Lendersa USDA loan request and matching results

What Is a USDA Loan in IL?

A USDA home loan is supported by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, and is available solely in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages do not require any down payment, offering a significant advantage to eligible borrowers.

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



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