USDA and FHA Pro and Con in St.-Charles, Kane County, IL

In 2024, USDA loan limit in St.-Charles, county of Kane, IL is $303,600 while FHA limit is $379,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in St.-Charles, county of Kane, IL

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

USDA and FHA loan options in St.-Charles, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • E Z Lending, LLC
  • 8739 Bitterroot Court, Lorton, VA, 22079
  • We have been brokering mortgage loans since 2002. Our mission is to serve our customers with honesty, integrity & 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
  • M Street Mortgage LLC
  • 7843 Seafarer Way, Lorton, VA, 22079
  • You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate. I've got great news... When you're ready, the next step in getting a low rate mortgage made easy is to contact me
  • Georgetown University Alumni & Student Federal Credit Union
  • 3700 O Street NW, Suite 1328, Washington, DC, 20057
  • The mission of the Georgetown University Alumni and Student Federal Credit Union is to grant credit for provident and productive purposes, to provide affordable financial services to its members, and to educate its members and volunteers about the credit union movement through practical business experience
  • CommonWealth One Federal Credit Union
  • 4875 Eisenhower Avenue, Alexandria, VA, 22304
  • CommonWealth One Federal Credit Union has been helping its members achieve a better way of life through convenient banking, specialized loans, savings plans, investments, financial tools and education programs for more than 70 years. From our origins in 1944 as the Army Air Force Annex #1 Credit Union with 94 members
  • MidAtlantic Financial Group, Inc
  • 433 Clayton Lane, Alexandria, VA, 22304
  • MidAtlantic Financial Group Inc. take pride in providing you with excellent service and appreciate the opportunity to assist you with your Mortgage Needs. At MidAtlantic Financial Group Inc, we will find the loan that is perfect for your scenario. No matter your needs we are here to help!
  • Lebanon Federal Credit Union
  • 300 Schneider Drive, Latrobe, PA, 17046
  • At Lebanon Federal Credit Union, we consider ourselves more than just a credit union. We’re a lifetime financial partner committed to serving you and your family members with unmatched dedication, integrity and care. We take pride in the fact that our small size allows us to build genuine relationships with each of our valued members.
  • FedFinancial Federal Credit Union
  • 11233 Lockwood Drive, Silver Spring, MD, 20901
  • FedFinancial Federal Credit Union is a financial institution that operates solely for the benefit of its members. The organization offers great deals on savings accounts, checking accounts and share certificates. We also offer low-rate mortgages, auto and personal loans and Platinum Rewards VISA card that pays you a 1.5% Rebate.
  • HEMA Federal Credit Union
  • 8701 Georgia Avenue, Suite 407, Silver Spring, MD, 20901
  • HEMA Federal Credit Union is a cooperative financial institution chartered by the federal government and owned by its members. With assets surpassing $19 million we provide a safe place to save and borrow at reasonable rates. We are proud of our long tradition of providing financial solutions to our members, including those who have fewer choices.