USDA Vs. FHA Pro and Con comparison in St.-Charles, Kane County, IL
In 2025, the USDA loan limit for St.-Charles, located in Kane, IL, is $303,600, whereas, for a single-family residence, the FHA limit amounts to $379,500.
Utilize the Lendersa® USDA loan calculator to compare the current best rates for USDA versus FHA, and calculate the income, credit score, reserves, and documentation required to qualify. With our cutting-edge mortgage calculator, you can review USDA, FHA, Conforming, and VA programs side by side to decide which one is most suitable for your financial needs in .
2025 Loan Limits and Down Payment Requirements in St.-Charles, Kane of 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
The aim of Lendersa® is to secure you the best USDA or FHA loan swiftly and with ease. Start from one of the three pathways below to find matching lenders and USDA loan options.
A USDA home loan is guaranteed by the U.S. Department of Agriculture, also called a USDA mortgage or USDA rural development loan, designated for rural areas. Unlike the FHA loans that necessitate at least a 3.5% down payment, the USDA mortgage loan requires no down payment.
4550 Montgomery Avenue, Suite 115N, Bethesda, MD, 20814
Mortgage Star believes that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. we're here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction.As a broker, we don’t work for the banks we work for our clients. We seek out the best lender.
We have built a powerful reputation as an outstanding mortgage lender serving the lending needs of real estate professionals, builders and individual homebuyers in California, Florida, Illinois, Maryland, New Jersey, North Carolina, Pennsylvania, Texas, Virginia, and Washington DC.
The Bancstar Mortgage LLC team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Founded in 2001, Eastern Union is a leading national commercial mortgage brokerage company that has closed $12 billion in real estate transactions over the past three years. The firm employs more than 70 highly skilled brokers and real estate professionals. Eastern Union’s capital introductions are handled through its affiliated company
Access Capital Mortgage is a full service nationwide lender, known for its integrity and experience in the mortgage industry. We offer multiple loan programs with great rates and flexible terms. Access Capital Mortgage has three retail branches conveniently located in the Baltimore, Maryland Metro Washington D.C. area.
7501 Wisconsin Ave. Suite 125W, Bethesda, MD, 20814
Having years of experience in real estate investing and financing, the principals of BlueWater Funding understand and appreciate the profitability and complexities that certain transactions bring with them.
Often, these complexities provide a hurdle that traditional banks may never be able to overcome, regardless of your relationship with them o
12123 Heritage Park Circle, Silver Spring, MD, 20906
1RATE is a premier mortgage advisory firm. 1RATE specializes in home purchases, refinance, FHA loans, VA Loans. We guide our clients to review and select the best mortgage that fits their financial strategy - and show them how to leverage their mortgage as a financial tool instead of a burden. We are client-first by being employee-first!
Since 1939, TruEnergy Federal Credit Union (formerly Washington Gas Light Federal Credit Union) has been a not-for-profit, member-owned financial cooperative. Every TruEnergy FCU member owns an equal share of the credit union, allowing us to offer lower loan rates and higher dividend yields.
