USDA Vs. FHA your options comparison in Wadsworth, Lake County, IL

As of 2025, the USDA loan limit in Wadsworth, part of Lake county, IL, is $0, whereas the limit for FHA on a single-family home is $472,030.

Make use of the Lendersa® USDA loan calculator to compare today's USDA and FHA leading rates, and identify the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding you in determining which program in fits your financial situation best.

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2025 Loan Limits and Down Payment Requirements in Wadsworth, Lake County, IL

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Wadsworth, IL

The goal of Lendersa® is to secure you the best USDA or FHA loan quickly and effortlessly. Choose one of three starting paths to find matching lenders and USDA loan programs.

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What is a USDA Loan in IL?

A USDA home loan, guaranteed by the Department of Agriculture and often referred to as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans require no down payment.

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



  • Hometown Mortgage Corporation
  • 275 W Rio Vista Ave, Suite 4, Burlington, WA, 98233
  • 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.
  • Private Lending Investments, Inc.
  • 120 E George Hopper Rd, Suite 200, Burlington, WA, 98233
  • "Private Lending Investments, Inc. is committed to providing the highest level efficient service to both the investor and buyer of our private loans. We take great pride in our level of communication with each client throughout every step of the loan. We specialize in the ability to structure each of the private loans"
  • BALLARD MORTGAGE COMPANY
  • 1711 W Nickerson St, Suite A, Seattle, WA, 98119
  • 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.
  • Tacoma Longshoremen Credit Union
  • 3602 Alexander Avenue, Tacoma, WA, 98424
  • The Tacoma Longshoremen Credit Union is a member-owned financial institution whose purpose is to meet its member's financial needs and promote the financial well-being of its members by providing them with financial services in a friendly and considerate manner. and The Tacoma Longshoremen Credit Union is a not for profit.
  • Berlind Corporation
  • 654 5th Avenue South, Unit 300B, Edmonds, WA, 98020
  • Berlind Corp. DBA Infinity Mortgage Group is committed to providing our clients with excellent service, low rates and a wide array of loan choices. Whether you are first time home buyer, refinancing an outstanding loan or consolidating consumer debt, our highly experienced team will take you step by step thru the loan process.
  • Mortgage Lending Group, LLC
  • 128 4th Ave S, Suite 101, Edmonds, WA, 98020
  • The mission of Mortgage Lending Group is to be a leader in the residential mortgage industry by providing clients with trustworthy service to achieve their financing goals; efficiently guiding the process to achieve an expedient and successful closing rate; and creating a lending environment that is readily accessible to all borrowers
  • Escondido Federal Credit Union
  • 201 North Broadway, Escondido, CA, 92025
  • Escondido Federal Credit Union provides savings & loan products to help achieve your goals throughout life. When you become a shareholder-member at EFCU, you instantly become eligible for all the benefits the Credit Union has to offer. Unlike banks, our profits are returned to members in the form of lower fees, higher dividends and lower loan rates
  • Riteway Mortgages
  • 600 La Terraza Blvd , 3rd Floor, Escondido, CA, 92025
  • RiteWayMortgages.com is a Lender/Broker company selling mortgage loans to borrowers. We are licensed under the California Finance Lenders Law. Our mission is to provide borrowers with the lowest rates possible for mortgage loans. Our objective is to educate the borrower about all the aspects that effect mortgage loans
  • Latin Financial Group
  • 170 West Mission Avenue, Suite 2, Escondido, CA, 92025
  • Mario Cisneros, a personal finance expert with Latin Financial Group. Our sole purpose of educating homeowners on how to better create wealth through mortgage planning. Mortgage planning is the process of utilizing and leveraging borrowers’ home mortgages to help them better and more quickly achieve their short- and long-term financial goals.
  • San Diego Military Lending
  • 1835A-S. Centre City Parkway, Suite 182, Escondido, CA, 92025
  • AIS Enterprise, Inc We offer a variety of loan programs for home buyers with competitive rates and terms. Our expert team of mortgage professionals has extensive experience in a vast variety of mortgage products - ranging from first-time homebuyer programs to financing for the self-employed to financing for those with bad or low credit.