USDA Vs. FHA Pro and Con comparison in Warrenville, DuPage County, IL

In 2025, the USDA loan ceiling in Warrenville, located in DuPage county, IL, is set at $0, whereas the FHA limit for a single-family home reaches $472,030.

Utilize Lendersa®’s USDA loan calculator to compare today’s leading USDA versus FHA rates and assess the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA mortgage options side by side, providing clarity as you determine which program in best suits your financial situation.

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2025 Loan Limits and Downpayment Requirements in Warrenville, DuPage county, IL

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

USDA and FHA Loan Options in Warrenville, IL

The goal of Lendersa® is to connect you with the best possible USDA or FHA loan swiftly and without hassle. Start by choosing one of three pathways that guide you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

The USDA home loan, known as both a USDA rural development loan and USDA mortgage, is backed by the U.S. Department of Agriculture and intended for rural areas only. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage doesn’t ask for any down payment, making homeownership more attainable.

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



  • Unibank
  • 49 Church Street, Whitinsville, MA, 01588
  • We are UniBank, a team of civic-minded financial professionals and all around great people working together to enrich people, businesses and municipalities across New England. We don't abide by the doctrine of big, national banks. What we believe is different. What we believe is unique. We believe in our community.
  • Millennium Bank FL
  • 151 NW Commons Loop, Lake City, FL, 32055
  • Millennium Bank was founded on a personalized, community-oriented approach to banking that we are proud to deliver to residents of Tennessee and Florida. Millennium Bank opened its doors for business on June 21, 1999, in Chattanooga, Tennessee, to serve the financial needs of the growing areas in eastern Hamilton County.
  • First Federal Bank.
  • 4705 W US Highway 90, Lake City, FL, 32055
  • First Federal Bank has been serving customers since 1962 when it opened in Live Oak, Florida as a Savings and Loan Association. Today, First Federal is a community based, mutual Bank that serves over 60, 000 customers from 26 retail branches and several lending centers in Florida, Georgia, and Wisonsin.
  • PRESTIGE HOME MORTGAGE, LLC
  • 6 MAPLE STREET, SUITE 202, NORTHBOROUGH, MA, 1532
  • We're full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending..from purchase to refinance to construction lending.We have access to a full range of mortgage sources & all of our lending specialists are dedicated to finding the right loan-with the best rates,terms & costs-to meet your unique needs
  • ROSS MORTGAGE COMPANY, INC.
  • 115 Flanders Road, Suite 120, Westborough, MA, 01581
  • Ross Mortgage offers a variety of mortgage loan products, and the company is a Direct Endorsed lender for the Federal Housing Administration and the Veteran’s Administration. As an approved lender, Ross Mortgage has the ability to originate, underwrite and close these government guaranteed mortgage loans in all the states where it holds a license.
  • Bivins Federal Credit Union
  • 9309 W CIG Road, Suite A, Masterson, TX, 79058
  • Bivins Federal Credit Union has been open since 1940. The credit union has assets totaling $6.57 Million and provides banking services to more than 500 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
  • Ledyard National Bank
  • 74 South Main Street, Concord, NH, 03301
  • At Ledyard, you get more than just bankers with knowledge, expertise and local decision-making capabilities. Ledyard offers true partnerships. Every member of our team is part of the community, providing us with the additional insight to develop personalized solutions for each client. Individuals and families have come to rely on us to provide
  • New Hampshire Community Loan Fund
  • 7 Wall Street, Concord, NH, 03301
  • The New Hampshire Community Loan Fund turns investments and donations into loans and education that create opportunity and transform lives across the Granite State. We loan directly to, and on behalf of, people with low and moderate incomes to create and preserve affordable housing, good jobs, and child care and other vital community services.
  • New Hampshire Federal Credit Union
  • 70 Airport Road, Concord, NH, 03301
  • NH Federal Credit Union is a full-service financial institution. You will find some of the best rates for savings and loans in NH, along with very low fees. As a not-for-profit financial cooperative, we are owned by the people we serve - the employees and immediate family members of more than 150 employers throughout NH.
  • EDvestinU - New Hampshire Higher Education Loan Corporation (NHHELCO)
  • 4 Barrell Court, Concord, NH, 03301
  • EDvestinU® is the private student loan program of the nonprofit NHHEAF Network. EDvestinU’s mission is to provide affordable college funding options to students nationwide. With industry–leading rates and nationally recognized loan servicing, students, parents & post-secondary schools can have every confidence that EDvestinU borrowers are provided.
  • The First National Bank of Livingston
  • 2121 U.S. Hwy 190, Livingston, TX, 77351
  • We are extremely proud to have had the opportunity to serve our market since 1902. Our team of professionals continues a long-standing commitment to superior customer service. We remain dedicated to providing the most up to date technology, while not wavering from our values of being a strong and healthy community bank.