USDA Vs. FHA your options comparison in Winnetka, Cook County, IL

In 2025, USDA loan limit in Winnetka, county of Cook, IL is $0 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Winnetka, county of Cook, IL

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

USDA and FHA loan options in Winnetka, IL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Illinois?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • Energize Credit Union is a cooperative, not-for-profit financial institution owned by and operated for the benefit of all members. Energize Credit Union was chartered in 1967 to fill specific financial needs of electric and telephone cooperative employees. Fifty years later we are still meeting those needs of providing a secure
  • Department of Public Safety Federal Credit Union
  • 3650 N Martin Luther King Avenue, Room 1000, Oklahoma City, OK, 73111
  • In 1953, seven Oklahoma Department of Public Safety (DPS) employees recognized the benefits a credit union would provide their coworkers. These founding members were intent on providing affordable financial services for the varied needs of the uniformed Highway Patrol and civilian DPS employees.
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  • Bank of Hazelton
  • 363 Main Street, Hazelton, ND, 58544
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  • First Bank NJ
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  • First Bank is all about returning to banking basics. As a locally-owned and operated community bank, we pride ourselves on great customer service that is highly personalized, efficient and responsive to local needs. On April 23, 2007, First Bank commenced operations at its office at 1229 South Black Horse Pike in Williamstown, NJ.
  • Mercer County NJ Teachers' Federal Credit Union
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