USDA and FHA Pro and Con in Wilmette, Cook County, IL

In 2025, the USDA loan limit in Wilmette, located in Cook County, IL, is $0, whereas the FHA limit for a single-family dwelling is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate the top rates between USDA and FHA options available today. Determine the necessary income, credit standing, reserves, and documentation to qualify. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you choose the best fit for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Wilmette, Cook County, IL

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

Explore USDA and FHA Loan Options in Wilmette, IL

Lendersa®'s mission is to promptly and seamlessly provide access to the best possible USDA or FHA loans. Choose from three different starting points that match you up with the appropriate lenders and USDA loan programs.

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What is a USDA Loan in IL?

The USDA home loan, sponsored by the government through the Department of Agriculture, is referred to as a USDA rural development loan or USDA mortgage, designed for rural areas solely. FHA loans need at least a 3.5% down payment, but USDA mortgages require none.

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



  • Celer Mortgage Incorporated
  • 1918 Business Center Drive, Suite 106, San Bernardino, CA, 92408
  • Our mission is to be the home financing partner that you trust to serve you, your family, and community. We offer an environment where you feel empowered and we are dedicated to delivering exceptional customer service with the respect that you deserve. At Celer Mortgage Inc. we will provide the highest level of support.
  • Dunn Premier Inc
  • 424 East Vanderbilt Way, San Bernardino, CA, 92408
  • We do business differently, and we're proud of it! Dunn Premier is dedicated to serving commercial and residential clients nationwide. We get loans Dunn right with our attention to detail and by ensuring the process is transparent from start to finish. Clients experience our premier standard of care
  • La Loma FCU
  • 26151 Mayberry St, Loma Linda, CA, 92354
  • Since 1955, La Loma Federal Credit Union has been proudly serving the Southeastern California Conference of Seventh-Day Adventists, Loma Linda University, Loma Linda University Health, and La Sierra University communities La Loma FCU is a credit union, which is a financial institution. Similar to other financial institutions.
  • Parks Funding Group
  • 985 Kendall Drive, Suite 167, San Bernardino, CA, 92405
  • At Parks Funding Group, our professional contract buyers work closely with holders of private residential mortgage notes, business notes, and many other contractual obligations when the need for FAST CASH arises. For those holding private mortgage notes from the sale of their previous residence.
  • 1st United Mortgage
  • 25612 Barton Rd, Suite 344, Loma Linda, CA, 92354
  • We help our clients buy, sell and finance real estate. We work with clients that are working on their personal residences or investment properties. Focusing on our clients needs, representing them well, getting them amazing deals, and providing the best marketing are all of the utmost importance to us.
  • Mid Oregon Credit Union-Home Loans
  • PO Box 6749, Bend, OR, 97708
  • Mid Oregon Credit Union traces its roots back to 1957 as the first credit union established in Central Oregon by a group of teachers and school employees in Prineville. Today, Mid Oregon Credit Union is the only Credit Union headquartered and doing business solely in Central Oregon.
  • Thinkwise Credit Union
  • 599 N. E St, San Bernardino, CA, 92401
  • Credit Union officially become, Thinkwise Credit Union. After 63 years, the organization has re-branded to better position the credit union for long-term growth. Thinkwise, is intended to better reflect our current and future members'​ financial needs and goals. This name change will also allow a chance to reassert our priorities.
  • 1st Valley Credit Union
  • 401 West 2nd Street, San Bernardino, CA, 92401
  • 1st Valley Credit Union began in 1951, serving the city employees of San Bernardino. Over the years, we added other local employer groups to our field of membership. In 1999 the credit union expanded its field of membership to encompass all persons living or working in the cities of San Bernardino, Colton, Rialto, Highland.