USDA Vs. FHA your options comparison in Winthrop-Harbor, Lake County, IL
In 2026, the USDA loan limit for Winthrop-Harbor in Lake county, IL is $0, whereas the FHA limit for a single-family home is $379,500.
Utilize the Lendersa® USDA loan calculator to compare today's USDA vs. FHA best rates, determining the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you ascertain the best program in for your specific financial situation.
2026 Loan Limits and Down Payment Requirements in Winthrop-Harbor, County of Lake, IL
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$379,500
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Options in Winthrop-Harbor, IL
Lendersa® is committed to securing the best USDA or FHA loan for you swiftly and without hassle. Choose one of three starting points to connect with the appropriate lenders and USDA loan programs that fit your needs.
A USDA home loan, formally guaranteed by the U.S. Department of Agriculture (also known as a USDA rural development loan or mortgage), is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment, offering a significant advantage to eligible borrowers.
Great Lakes Credit union is banking for better. Founded in Lake County, Ill. in 1938, GLCU began with one goal in mind: Enable civil servants to create their ideal future by borrowing and saving at competitive rates.
At the time, no financial institution existed in the area, leaving local workers without an option to safely.
North Shore Trust and Savings’ focus since 1921 has been home ownership and wealth accumulation for our customers. We continually invest in training our team and updating technology to better serve our customers, and we give back to the communities that support us through civic service and financial literacy programs.
The De La Cerda Team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
NorthSide Community Bank, with over $250 million in assets, is the only community bank headquartered in Gurnee. The bank was chartered in 1997 and has 4 locations in the Chicago metropolitan area and Lake County. The bank was formed in 1996 by a professional group of business men and women to better respond to the market place.
Granted its charter in March 1990, ALEC first opened its doors to the employees of Abbott Laboratories in October of that same year. In our early years through 2001, ALEC Service Centers were located only at the AP30, AP6, AP22 and M1 locations. Since then, we've added four more service centers,
Consumers Credit Union (CCU), headquartered in Lake County, IL, has provided unparalleled financial services to Members since 1930. The credit union offers a complete menu of products and services, including checking, debit and credit cards, vehicle loans, consumer loans, savings, money market and certificates of deposit
