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

In 2025, the USDA loan limit in Westmont, located in DuPage County, IL, is set at $0. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates. Discover the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding you to select the best financial solution in .

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2025 Loan Limits and Down Payment Requirements in Westmont, DuPage, IL

                                                                     
Loan TypeLoan LimitDown Payment
USDA$00%
FHA$472,0303.5%
Conventional Conforming$726,2003%

USDA and FHA Loan Options in Westmont, IL

Lendersa® strives to efficiently obtain the best USDA or FHA loan for you without complication. Choose from three starting options that link you to matching lenders and USDA loan programs.

   
  Lendersa USDA loan request and matching results  

Understanding USDA Loans in IL

A USDA home loan, backed by the Department of Agriculture, known also as a USDA rural development loan or USDA mortgage, is strictly available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans require none.

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



  • American Fidelity Mortgage Services, Inc
  • 1776 S Naperville Road, Bldg B, Suite101B, Wheaton, IL, 60189
  • We're a 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 and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
  • DuPage County Employees Credit Union
  • 421 N County Farm Road, Wheaton, IL, 60187
  • DuPage County Employees Credit Union is a not-for-profit financial cooperative owned by its members. Credit Unions were founded on the idea that through a cooperative financial effort, individuals sharing common bonds could benefit. Credit Unions promote thrift, and income is passed along to its members in the form of higher dividends on savings
  • Wheaton Bank & Trust Company, National Association
  • 100 N. Wheaton Avenue, Wheaton, IL, 60187
  • Wheaton Bank & Trust offers banking solutions tailored to our customers, their needs, and our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events and throw neighborhood cookouts.
  • Midland Federal Savings and Loan Association
  • 8929 South Harlem Avenue, Bridgeview, IL, 60455
  • Midland Federal has served Chicago's south and southwest neighborhoods for over a century as a family-owned community institution. We're strong and solid; long-standing and secure. Our customers have banked with us for generations because they feel at home with us. We know our customers and they know us.
  • Pan American Bank
  • 1440 West North Avenue, Melrose Park, IL, 60160
  • Pan American Bank & Trust is the premier bank for businesses and communities. We coined a term to reflect the spirit by which we operate: Bizunity™. We provide the personalized, first-name basis service that only comes from an independently owned bank that values Bizunity™. We are a trusted partner through every phase of your business’s life cycle.
  • KeySmart Mortgage Co
  • 6847 West Cermak Road, Berwyn, IL, 60402
  • KeySmart Mortgage Co was created with the consumer in mind, we are a veteran owned and operated company with nearly 40 years of combined experience. Commitment to service, respect and excellence are our core values. Our strength is our people, we are guided by the principle of respect.
  • Guaranteed Financial Corp
  • 6231 West Roosevelt Road, Berwyn, IL, 60402
  • Guaranteed Financial is an Illinois residential mortgage company dedicated to one thing– fulfilling the American Dream.Our team serves the lending needs of home buyers, homeowners, real estate professionals & builders across the state by offering a host of diverse and flexible mortgage packages for customers with a variety of backgrounds and needs.
  • American Financial Solutions Inc
  • 6705 West 26th Street, Berwyn, IL, 60402
  • American Financial Solutions Inc We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify.
  • 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"
  • First Secure Bank and Trust Co.
  • 10360 South Roberts Road, Palos Hills, IL, 60465
  • First Secure Bank and Trust was founded in Palos Hills, Illinois in 1977 to serve the financial needs of our friends and neighbors. We are still in the neighborhood and continuing with that mission. We are the only “true” locally owned bank in the area. We care about the community because we live here, too.
  • CHICAGO FIREFIGHTERS CREDIT UNION
  • 6230 S Central Avenu, Chicago, IL, 60638
  • Chicago Firefighters Credit Union was founded as 2nd Division Credit Union in 1937 to serve fire department employees in the City of Chicago. At a time when the nation’s financial system was still reeling from the Great Depression, many banks just weren’t addressing the concerns of average working people.
  • Archer Heights Credit Union
  • 6554 W Archer Avenue, Chicago, IL, 60638
  • Archer Heights Credit Union is a not-for-profit financial cooperative owned by its members. Credit Unions were founded on the idea that through a cooperative financial effort, individuals sharing common bonds could benefit. Credit Unions promote thrift, and income is passed along to its members in the form of higher dividends on savings accounts,