USDA and FHA Pro and Con in Zion, Lake County, IL

In 2025, the loan limit for USDA in Zion, Lake County, IL, is set at $0. Meanwhile, for a single-family home, the FHA limit is $472,030.

Leverage the Lendersa® USDA loan calculator to compare today’s best rates for USDA against FHA programs. Determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to evaluate USDA, FHA, Conforming, and VA options side by side, helping you decide which program in suits your financial situation best.

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2025 Loan Limits and Down Payment Requirements in Zion, Lake, IL

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

Evaluate USDA and FHA Loan Options in Zion, IL

Lendersa® is committed to obtaining the best possible USDA or FHA loan for you swiftly and effortlessly. Choose one of three pathways that result in matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IL

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.

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



  • Universal Mortgage & Finance
  • 3158 Braverton Street, Suite 204, Edgewater, MD, 21037
  • Universal Mortgage & Finance, Inc. is a direct lending institution and we pride ourselves on making your needs our top priority because we're committed to building long-lasting relationships in the communities we serve. For two decades, we have successfully facilitated the financial service needs of people .
  • BlackWater Funding
  • 403 Fairlea Drive, Edgewater, MD, 21037
  • BLACKWATER FUNDING PROVIDES QUICK COMMERCIAL REAL ESTATE LOANS & CAPITAL FOR INVESTORS & OWNERS OF OWNER-OCCUPIED PROPERTIES. WE ALSO OFFER LOANS FOR UNIQUE PROPERTIES: (CHURCHES, CAR WASHES, MOBILE HOME PARKS, GAS STATIONS,CHILDHOOD CARE, AUTO REPAIR SHOPS, SELF STORAGE,LAND, ETC.)
  • Planters Bank & Trust Company
  • 212 Catchings Street, Indianola, MS, 38751
  • Planters Bank & Trust began serving customers in the small community of Ruleville, Mississippi. Throughout our growth, Planters Bank has remained rooted in its mission to dedicate resources to the betterment of our customers and to the communities we live and work.Currently headquartered in Indianola.
  • Usem Mena Federal Credit Union
  • 500 North Morrow Street, Mena, AR, 71953
  • Since its inception in 1967 the Usem Mena Federal Credit Union has been serving its members in the MENA, Arkansas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, and interest rates on fixed loans here on these pages.
  • Tuscaloosa County Credit Union
  • 2605 7th St, Tuscaloosa, AL, 35401
  • Tuscaloosa County Credit Union is a member owned and controlled financial cooperative. Our mission is to deliver satisfaction by helping our members attain or achieve financial success through personal commitment to each others "individual" needs. TCCU offers an array of services to meet your financial needs.
  • RiverFall Credit Union
  • 2520 6th Street, Tuscaloosa, AL, 35401
  • RiverFall Credit Union is a full-service, member owned financial institution that has been serving its members since 1953. Let us help you move forward with the financial future you deserve. You'll love our FREE Reward checking accounts and great rates on loans. We invite you to find your pace at RiverFall.
  • Harford Bank
  • 8 West Bel Air Avenue, Aberdeen, MD, 21001
  • Harford Bank is an independent, locally owned & managed, full-service bank, responsive to the needs of our customers & our community. We are committed to delivering a superior customer experience, providing fulfilling careers, & a competitive return to our shareholders. Harford Bank was chartered as a national banking association on April 27, 1964.
  • Credence Funding Corporation
  • 1200 Technology Drive, Suite A, Aberdeen, MD, 21001
  • Credence Funding Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.