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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $379,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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