USDA VS FHA in South-Elgin, Kane County, IL

For 2025, the USDA loan limit in South-Elgin within Kane County, IL is $303,600. For a single-family home, the FHA limit stands at $379,500.

Use the Lendersa® USDA loan calculator to compare the top USDA vs. FHA rates available today, determining necessary income, credit, reserves, and documentation for qualification. Our advanced calculator lets you compare USDA, FHA, Conforming, and VA options side by side, assisting in selecting the best program for your unique financial needs in .

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2025 Loan Limits and Down Payment Requirements in South-Elgin, Kane, IL

Loan Type Loan Limit Down Payment
USDA $303,600 0%
FHA $379,500 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA Loan Options in South-Elgin, IL

Lendersa® aims to secure the best possible USDA or FHA loans for you, quickly and with ease. Begin with one of three starting routes that connect you to loan programs and matching lenders.

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Understanding USDA Loans in IL

A USDA home loan is a government-backed loan through the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans needing at least a 3.5% down payment, USDA loans require no down payment.

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



  • Atlantic Finance Group LLC
  • 115 Saint Charles Street, Suite B, Drexel Hill, PA, 19026
  • Atlantic Finance Group LLC fulfill all of your mortgage needs efficiently. You can rely on us to offer you a variety of mortgage products and also give you the assistance that you need to choose the right product that suits your requirements. You can rely on us to provide you with the latest in financial tools.
  • Ambler Savings Bank
  • 155 E Butler Avenue, Ambler, PA, 19002
  • For over 145 years, the Bank has been headquartered in Ambler, Pennsylvania with locations in Fairview Village, Limerick, and Bally, as well as several continuing care retirement facilities. Member FDIC. Equal Housing Lender. Ambler Savings Bank has been serving the financial needs of residents
  • United Lending Group of NJ
  • 1716 Penns Ln, Ambler, PA, 19002
  • Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Philadelphia Mortgage Company, Inc
  • 300 Brookside Avenue, Bldg 4, Suite 125, Ambler, PA, 19002
  • Philadelphia Mortgage Company was created with one goal in mind .. To help people make smarter, better informed financial decisions when looking to purchase a home. With 40 years of experience and well over 10, 000 clients served, PMC is committed to educating and guiding individuals through the mortgage process.
  • Legacy Capital
  • 921A N Bethlehem Pike, Unit 2, Ambler, PA, 19002
  • We’ve been financial advisors, note buyers, real estate operators, developers, lenders, educators, advisors, and coaches. But one big passion that has been there throughout everything and has only grown for us over the years is how to utilize finance to grow and scale businesses in a responsible way.
  • Centennial Lending Group
  • 1126 Horsham Road, Ambler, PA, 19002
  • Centennial Lending, is a growing mortgage lender headquartered in Maple Glen, PA, currently licensed in eleven states with goals to expand its footprint nationwide, offering award-winning knowledge and service to home buyers and home owners seeking new mortgages or refinancing. Inclusion on Inc Magazine’s Inc 5000 list for the past three years
  • LEO MORTGAGE, INCORPORATED
  • 921-A Bethlehem Pike, Suite 208, Ambler, PA, 19002
  • Leo Mortgage is a family owned and operated full service Mortgage Brokerage dedicated to provided tremendous customer service. When we do a good job for you, we believe you will tell a friend - and that is how our business grows. We are: The Leader in Home Financing. We provide good old fashioned customer service. Call us anytime (215) 542-9900
  • CAPE MAY MORTGAGE COMPANY
  • 300 Brookside Avenue, Bldg 4, Suite 125, Ambler, PA, 19002
  • Cape May Mortgage Company was created with one goal in mind... To help people make smarter, better informed financial decisions when looking to purchase a home. With 30 years of experience and well over 10,000 clients served, John Joyce is committed to educating and guiding individuals through the mortgage process.
  • PSEG Nuclear Employees Federal Credit Union
  • End of Alloway Creek Neck Road, Hancocks Bridge, NJ, 08038
  • The PSEG Nuclear Employees Federal Credit Union is an independent financial institution owned by and operated for its members. Our Mission is to provide competitive, quality service to meet our members' needs, while securing the operational security and financial stability of the credit union.