FHA VS Conventional loan programs in Carlinville, Macoupin County, Illinois

For the year 2026, the conventional loan limit in Carlinville, Macoupin county, IL is set at $726,200. Meanwhile, the FHA loan limit stands at $472,030 for a single-family residence.

Utilize the Lendersa® Conventional loan calculator to contrast today's best Conventional, FHA, and USDA rates. Determine qualifications based on income, credit, reserves, and necessary documentation. Our comprehensive mortgage calculator allows you to view side by side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding you in selecting the most suitable program within IL that fits your financial needs.

Explore loan offers from 100 lenders

Loan limits and downpayment prerequisites for 2026 in Carlinville, Macoupin county, IL

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table is applicable to zip codes: 62626

Available Conventional and FHA loans in Carlinville, IL

Lendersa® is committed to securing you the best possible Conventional, USDA, or FHA loan quickly and without inconvenience. Choose from three initial pathways that lead to matching lenders and loan schemes.

Lendersa USDA loan request with matched results


Carlinville Lenders

  • CNB Bank & Trust
  • 450 W. Side Square, Carlinville, IL, 62626
  • Lends in Illinois
  • Our roots go back to the mid-nineteenth century with the founding of a bank in Carrollton, IL, in 1854. Prior to July of 2011 CNB Bank & Trust, N.A. operated as 4 individual sister banks under the Carlinville National Bank Shares, Inc. Holding Company; Carlinville National Bank, Citizens State Bank, Palmer Bank, and Cornerstone Bank & Trust, N.A.

  • LITCHFIELD NATIONAL BANK
  • 316 N. State St., Litchfield, IL, 62056
  • Lends in Illinois
  • Litchfield National Bank was organized in 1907 originally as a state bank known as First State & Savings Bank. On September 19, 1911, it was converted to a National Banking Association. Former bank presidents include M.M. Morrison, T.T. Lackey, Herb Herrick, Charles McBride and Leighton Wesley Cline.

  • The First National Bank of Raymond
  • 403 East Broad, Raymond, IL, 62560
  • Lends in Illinois
  • Our success is no secret. Since our founding in 1903, the First National Bank of Raymond has dedicated itself to our customers and communities. Below you will find important milestones in our history that have led to our hundreds of years of total combined experience and commitment to excellence in all five of our locations.

  • Bank of Hillsboro
  • 230 S Main St, Hillsboro, IL, 62049
  • Lends in Illinois
  • Bank of Hillsboro, previously known as, National Bank, is headquartered in Hillsboro, Illinois with 11 branches serving South Central Illinois. Bank of Hillsboro is locally owned by and operated. We believe our local ownership provides valuable Insight into the needs of our communities.

  • Jersey State Bank
  • 1000 South State Street, Jerseyville, IL, 62052
  • Lends in Illinois
  • On January 10, 1903, Theodore S. Chapman, Frederick Jacobs, Joseph R. Fulkerson, and Allen M. Slaten were granted permission to organize a bank to be known as the Jersey State Bank with capital stock of $25, 000.On January 28, 1903 Jersey State Bank opened its door for business at 123 West Pearl Street in Jerseyville

  • Liberty Bank
  • 2403 Homer M Adams Pkwy, Alton, IL, 62002
  • Lends in Illinois
  • Liberty Bank, headquartered in Alton, Illinois, was founded by area businessmen in 1994. Expanding to Godfrey in 1997 and Bethalto in 2006, it has since grown to include a total of four locations serving Madison County. In 2017, Liberty Bank joined United Community Bank and now includes more than 100 Bank & ATM locations

  • Preferred Mortgage, Inc.
  • 2375 C Homer Adams Pkwy, Alton, IL, 62002
  • Lends in Illinois
  • At Preferred Mortgage, Inc., offers the best services in mortgage financing at the lowest cost to you. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound choices. As full-service mortgage brokers, we offer a wide range of loans from government (VA, FHA)

  • Carrollton Bank
  • 315 Sixth St, Carrollton, IL, 62016
  • Lends in Illinois
  • We’ve done this by sticking with what business owners tell us they like. They enjoy dealing directly with the decision-maker, so they get fast answers. We attract and retain outstanding bankers, so they can work with the same people for many years, instead of repeatedly starting from scratch with new bankers

  • SIUe CREDIT UNION
  • 1566 Lewis Road, Edwardsville, IL, 62025
  • Lends in Illinois
  • SIUE Credit Union is a not-for-profit, member-owned credit union, our main goal is not to make money. Instead, we help you save yours with a complete range of financial products and services. You’ll earn high returns on savings, enjoy lower rates on loans and pay lower (and fewer) fees than you would at most banks.