As of 2025, the USDA loan limit for Wheeling, in Cook of IL, is $0. In comparison, the FHA limit for a single-family residence is $472,030.
Lendersa® offers a USDA loan calculator to compare the best current rates between USDA and FHA loans, determining the necessary income, credit, reserves, and documents for eligibility. This sophisticated tool also allows you to evaluate USDA, FHA, Conforming, and VA programs side by side for the best choice in Alabama.
Explore offers from 100 different lenders to find a suitable option.
| Loan Type | Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to efficiently get you the best USDA or FHA loan without any inconvenience. Choose one of three pathways that connect you with appropriate lenders and USDA loan offerings.
A USDA home loan is a government-guaranteed loan provided by the Department of Agriculture, also termed as the USDA rural development loan or USDA mortgage, and is exclusively for rural areas. Unlike FHA loans, which mandate 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?
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