For the year 2026, the USDA loan limit in the city of Sycamore, located in the county of DeKalb, IL, is set at $336,500. In comparison, the FHA loan limit for a single-family home is $472,030.
To determine the best rates available today, use the Lendersa® USDA loan calculator to compare USDA versus FHA options. This tool helps you assess necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator provides a comparative view of USDA, FHA, Conforming, and VA loans side-by-side, guiding you to the best financial program in for your needs.
2026 Loan Limits and Down Payment Criteria in Sycamore, DeKalb, IL
Type of Loan
Limit
Down Payment Required
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Sycamore, IL
Lendersa®'s mission is to secure the most favorable USDA or FHA loan for you quickly and hassle-free. Begin with any of the three options to align with suitable lenders and USDA loan programs.
The USDA home loan is backed by the U.S. Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, intended for rural locales only. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans have no down payment obligation.
Illinois Community Credit Union began in 1935 as Sycamore Community Credit Union. Community leaders came together to form a financial institution that was owned by and operated for the benefit of the people of Sycamore and the surrounding area. Sycamore Community Credit Union provided a place where local residents could borrow at reasonable rates.
Source 1 Mortgage has zero lender fees and is the largest Mortgage Brokerage in DeKalb county. We specialize in low down payment programs, as well as FHA, VA, Conventional and USDA loans. As a Brokerage we are able to works with some of the largest investors and mortgage wholesalers in the nation to offer you the widest array of product
The Northern Illinois Federal Credit Union is a financial cooperative owned, operated & controlled by its members. We exist to encourage & provide financially sound and responsible savings, loans and needed services to our members.
Through the years, our board of directors have continually taken steps to improve the credit union for our member
At Resource Bank, we believe the relationship between a bank and its clients should be based on a mutual trust; something that will last for years and benefit you for a lifetime. For more than a century, we’ve taken pride in giving you individual attention - from people who really care.
2401 West US Highway 20, Suite 206, Pingree Grove, IL, 60140
Lends in Illinois
Lifestone Mortgage, our experience, integrity, and unsurpassed service will guide you through the important process and decisions related to home financing. Whether you are a First Time Homebuyer, Trade-up Candidate, or Refinancing to save on your monthly payment or to finance education or for investment.
Prairie Community Bank was established on April 2, 1998 as a locally owned and independent bank. We opened as Prairie State Bank and on January 1, 2004 we changed the bank’s name to Prairie Community Bank, to better reflect our commitment and focus on our surrounding communities. Each day.
Waterman Bank, originally founded as “Waterman State Bank” by Humphrey Roberts in 1891, has been a pillar of the local Waterman and surrounding Southern DeKalb County community for over 110 years. Roberts, with the help of his sons, crafted Waterman State Bank’s time-tested foundation.
I’m Al Martinez. I’d like to help you qualify for an affordable mortgage to purchase or refinance your home. My career in mortgage lending began in 2002 (I swear, the housing crash is not my fault). Since the sub-prime mortgage meltdown began in 2007, 70% of the people in our industry left the business.
Direct Mortgage Corporation was founded in 1996 and consists of a team of mortgage experts with over 30 years of industry experience. Our staff focuses on personalized service, and their years of experience in the mortgage industry will be beneficial in ensuring a smooth transaction by overseeing the process from start to finish.
