USDA Vs. FHA Pro and Con comparison in South-Barrington, Cook County, IL

In 2025, the USDA loan limit in South-Barrington, Cook county, IL is $0, while the FHA limit for a single-family home is $379,500.

Leverage the Lendersa® USDA loan calculator to assess and compare today's best USDA vs FHA rates. This tool helps you determine the necessary income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting in deciding which program in is most suitable for your financial situation.

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2025 Loan Limits and Down Payment Requirements in South-Barrington, Cook, 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 South-Barrington, IL

The objective of Lendersa® is to secure the best USDA or FHA loan for you swiftly and hassle-free. Choose one of three starting points to connect with matching lenders and USDA loan programs.

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What is a USDA Loan in IL?

The USDA home loan, backed by the government Department of Agriculture, also known as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment, making them attractive for eligible rural buyers.

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



  • First Bank and Trust of Fullerton
  • 230 Broadway, Fullerton, NE, 68638
  • The First Bank & Trust of Fullerton is a for-profit financial organization established to serve our community & valued customers by offering timely service & competitive products & services within a highly personalized & professional environment. The bank is a financial service organization established to serve the financial needs of our community.
  • Chattanooga First Federal Credit Union
  • 3120 Broad Street, Chattanooga, TN, 37408
  • Chattanooga First Federal Credit Union started out small with the sole ambition of serving employees of U.S. Pipe and Foundry and their families. Over time, we've expanded our membership base to others and now offer a comprehensive range of credit union services. Chattanooga First Federal Credit Union Established in 1961.
  • Chattanooga Neighborhood Enterprise
  • 1500 Chestnut Street, Suite 102, Chattanooga, TN, 37408
  • Chattanooga Neighborhood Enterprise, Inc. was founded in 1986 to help improve the quality of life in Chattanooga by building strong, sustainable neighborhoods through the promotion and preservation of homeownership. CNE has helped over 4.000 Chattanooga residents purchase their first home.
  • Mortgage Assurance, LLC
  • 1391 Holmes Street, Suite 119, Chattanooga, TN, 37408
  • Morgage Assurance is ready to help you purchase your dream home today. We are a family owned business located in Chattanooga, Tennesee Mortgage Assurance has nurtured relationships with numerous lending companies across the U.S., which allows us to custom fit a lender for the loan program.
  • The Citizens State Bank and Trust Company
  • 1 North Broadway, Woodbine, KS, 67492
  • The Citizens State Bank & Trust Company has been providing customers with a range of financial services for over 90 years. The Citizens State Bank & Trust Company was organized and chartered in January 1921 with W. L. Johnson (bank president), JA Gillett (vice president). In 1923 Woodbine State Bank, originally opened in 1897 and incorporated
  • The Corner Stone Bank
  • 117 North Main, South West City, MO, 64863
  • The Cornerstone Bank is continuously growing and expanding to better meet the needs of its customers. In 1986, the bank opened its first branch in Tiff City, followed by the Lanagan branch in 1995. The Goodman branch opened in the fall of 2009, with the latest addition, the Pineville branch, opening in 2015.
  • PennCrest BANK
  • 1201 12th Street, Altoona, PA, 16601
  • PennCrest BANK® has been a part of your community for more than a century. We've been here through good times and bad, but at no time has the need for a local, independent community bank like ours been greater than it is now. For financing a new home, saving for retirement, or just accessing your money quickly
  • AB Federal Credit Union
  • 871 30th Street, Altoona, PA, 16601
  • A B Federal Credit Union was chartered in 1962 under the name of Altoona Butterick Federal Credit Union in Altoona, PA. Today A B Federal Credit Union has expanded its field of membership to serve the employees and family of numerous local companies. A B Federal Credit Union is here to serve its members.
  • Southern Credit Union
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  • EPB Employees Credit Union
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  • Since 1954, our Credit Union has been serving its members in and around the Chattanooga area with exceptional financial products and service. We offer our 2, 400 members convenient banking options through online banking, direct deposit, e-statements, and access to more than 30, 000 surcharge-free ATMs across the country.
  • Chattanooga Area Schools Federal Credit Union
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  • Chattanooga Area Schools Federal Credit Union has been open since 1935 with assets totaling $176.83 Million and providing banking services to more than 12, 000 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing services to members in the education community.
  • 1st United Mortgage LLC
  • 2509 Wilma Rudolph, Suite E, Clarksville, TN, 37404
  • 1st United Mortgage is dedicated to serving veterans and military families. As VA Loan specialists, our experts are trained specifically on VA eligibility requirements and will walk you through every step of the loan process. Our mission is to make the mortgage process and simple and stress-free as possible for you.