USDA VS FHA in Warrenville, DuPage County, IL

In 2026, 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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2026 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?



  • Red Door Home Loan Corporation
  • 975 East Nerge Road, Suite N10, Roselle, IL, 60172
  • 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.

  • ACS Mortgage Corporation
  • 1350 W. Lake Street, Suite C, Roselle, IL, 60172
  • ACS Mortgage Corporation is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools..

  • Key City Lending Inc.
  • 2121 W. Army Trail Rd, Suite 108, Addison, IL, 60101
  • "Key City Lending, America's Lender, matches borrowers through technology and high-touch customer care with the credit they need. As a fast-growing national consumer lender, Key City Lending is at the fore-front of the mortgage industry.

    Key City Lending is passionate about emerging financial technology"

  • NEO Home Loans
  • One Mid America Plaza, Suite 800, Oakbrook Terrace, IL, 60181
  • NEO represents the new way of doing home loans. We advise you how to pay off your mortgage and consumer debts faster and with much lower cost – all while maximizing your wealth. We focus on your long-term, comprehensive wealth strategy over the short-term mortgage transaction. Founded in 2021.

  • Universal Mortgage Partners Inc
  • 17 West 220 22nd Street, Suite 250A, Oakbrook Terrace, IL, 60181
  • 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.

  • Peoples Home Equity, Inc.
  • 1801 S Meyers Rd, Suite 500, Oakbrook Terrace, IL, 60181
  • The Peoples Home Equity Inc Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Illinois. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan.

  • Constructive Capital
  • 1801 S. Meyers, Suite 400, Oakbrook Terrace, IL, 60181
  • At Constructive, our mission is to help the residential real estate investor by providing an easy process, competitive pricing, and expansive programs to meet all of their financing needs.

    Whether it’s fix to flip or buy to hold, we are committed to providing the right solutions for our clients.

  • Private Lending Group
  • 18W140 Butterfield Rd., Villa Park, IL, 60181
  • We are income or credit driven for our loans. These loans are perfect for investment projects or cash out on free and clear properties. Most loans close in 7-14 days.

    All loans will be considered, and are based on EQUITY, exit strategy, value, and ability to demonstrate repayment of the loan.

  • Direct Mortgage Corporation
  • 460 Briargate, Suite 200, South Elgin, IL, 60177
  • 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.

  • Earthmover Credit Union
  • 2195 Baseline Road, Oswego, IL, 60543
  • Earthmover Credit Union's vision is to provide its members with quality products and exceptional service while maintaining a competitive rate of return on deposits, the security of capital strength, and competitive rates on loans. When you become a part of Earthmover Credit Union, don't worry about asking us for help You can rest assured.

  • Allied First Bank SB
  • 3201 Orchard Road, Oswego, IL, 60543
  • Allied First Bank is Oswego's only true community bank. We're Your Hi-Tech Hometown Assist​ with a full range of consumer, commercial, and mortgage products and banking services. The bank is a centerpiece of the community with its creation and sponsorship of the Oswego CrossTown Challenge.