The USDA loan cap in Winnebago, Winnebago County, IL, is $336,500 for 2025, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today’s top USDA and FHA rates and identify the income, credit, and documentation needed for qualification. With our detailed mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side by side to find the ideal option for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to swiftly secure the best USDA or FHA loan for you, hassle-free. Choose from three methods to connect with lenders or explore USDA loan programs.
A USDA home loan, insured by the U.S. Department of Agriculture, also known as a rural development loan, is offered only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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