In 2025, a USDA loan in Volo, located in Lake county, IL, is capped at $0. Meanwhile, the FHA limit for a single-family home sits at $472,030.
Use the Lendersa® USDA loan calculator to evaluate and compare today's best rates for USDA versus FHA options. Determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA loans to help you choose the best program in
Explore loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to finding you the best possible USDA or FHA loan swiftly and with minimal hassle. Choose from three starting pathways to connect with lenders that match USDA loan programs suited to your needs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is backed by the U.S. Department of Agriculture. Available exclusively in rural neighborhoods, these loans differ from FHA loans, which require a 3.5% minimum down payment, by requiring no down payment, offering significant benefits to eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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