USDA VS FHA in Western-Springs, Cook County, IL

In 2025, the USDA loan ceiling in Western-Springs, Cook county, IL is $0, while the FHA cap for a single-family residence is $379,500.

Utilize the Lendersa® USDA loan calculator to compare today’s USDA and FHA rates, helping you assess the necessary income, credit, reserves, and documents to meet qualifications. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding in decision-making for the best program suited to your financial standing in .

Compare loan offers from 100 lenders

2025 loan limits and downpayment details in Western-Springs, Cook county, IL

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $379,500 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA loan options in Western-Springs, IL

The mission of Lendersa® is to promptly connect you with the most suitable USDA or FHA loan, ensuring a smooth process. Choose one of three introductory pathways that lead to matchmaking with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan, endorsed by the government Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a down payment of at least 3.5%, the USDA mortgage demands no down payment, enhancing affordability.

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



  • Maverick Commercial Mortgage
  • 853 North Elston Avenue, Chicago, IL, 60642
  • Maverick Commercial Mortgage, Inc. has been formed by Benjamin L. Kadish with offices located in Chicago's River West neighborhood. After more than 32 years in the Chicago mortgage banking industry and funding more than $3.5 billion dollars in financings, Mr. Kadish is hanging his own shingle
  • Cypress Mortgage
  • 824 W. Superior St, Suite 207, Chicago, IL, 60642
  • Cypress Mortgage Buying or ReFinancing a home can be a huge undertaking. You can rely on us to help you find the loan program that's the right fit for you. Our team of professionals is ready to help you navigate this important financial commitment. For guidance in choosing the right program for your unique situation.
  • Victoria Mortgage Bankers
  • 1070 North Milwaukee Ave, Chicago, IL, 60642
  • 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.
  • MiddleWest Mortgage Group LLC
  • 1517 West Haddon Avenue, Suite A, Chicago, IL, 60642
  • MiddleWest Mortgage Group have been helping customers afford the home of their dreams for many years and we love what we do. We’re here to help you every step of the way. Our online application guides you through your mortgage financing and connects you directly to your loan officer.
  • Lenderment Inc
  • 1500 N Halsted St, Suite 200, Chicago, IL, 60642
  • Founder Dan Jasek started Lenderment with one simple idea: “to fit the mortgage to the buyer, not the buyer to the mortgage”. Most banks offer you one option, usually the same mortgage they push on everyone that makes them the most money. At Lenderment, we know no two situations are the same so we create the perfect loan for what you need.
  • United Home Loans, Inc
  • 1000 N. Milwaukee Avenue, Chicago, IL, 60642
  • "Our mortgage lenders not only average more than ten years in the mortgage industry, but also call Chicagoland home. We live where we lend, so we’re always a phone call or face-to-face chat away. Our knowledge of the local market, ability to offer custom loan solutions, and commitment to personal service."
  • Chicago Financial Services, Inc.
  • 1455 W. Hubbard St. Suite 200, Chicago, IL, 60642
  • Chicago Financial Services, Inc. founded in 1990 The company provides residential financial services to individuals and institutional projects it is recognized as one of the premier residential mortgage banks in Chicago and differentiates itself from other mortgage banks because of its boutique size. All aspects of the residential lending process.
  • A & N MORTGAGE SERVICES, INC.
  • 1945 N. Elston Ave, Chicago, IL, 60642
  • A and N Mortgage Services, Inc.'s mission is to provide you with high quality programs that are tailored to fit your unique situation at some of the most competitive rates in the nation.After receiving your information, A and N Mortgage Services, Inc. will be able to get a complete look at your financial situation to determine.
  • Real Estate Resource Home Loans
  • 16530 106th Court, Orland Park, IL, 60467
  • Our goal is to offer competitive mortgage rates and fees while providing a level of service that exceeds our client’s expectations. We offer clients customized mortgage solutions to obtain the BEST rate possible. Our average employee has over 12 years of banking and home loan financing experience.
  • Pacific One Mortgage Inc
  • 11312 Distinctive Dr, Orland Park, IL, 60467
  • Christopher Zabat is the father of the mortgage company he have always had a passion for Real Estate Finance. he remember getting very interested in it when we bought our very first home in May of 2000. My personal experience throughout the entire process made me so curious on how things were done.
  • Chicago Area Office Federal Credit Union
  • 600 West Madison Street, Chicago, IL, 60661
  • Chicago Area Office is dedicated to consistently bringing superior service and financially sound advice to employees of the Social Security Administration and their immediate family members. We are committed to remaining a safe, sound reliable Credit Union. Our philosophy, like that of many other credit union's is ""People helping People