FHA VS Conventional loan programs in 2026 for Galena, Jo Daviess County, Illinois

For 2026, the Conventional loan limit in Galena, within Jo Daviess county, IL, is $726,200, while the FHA limit for a single-family home is $472,030.

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The Lendersa® Conventional loan calculator allows you to compare today's best rates across Conventional, FHA, and USDA loans, and assess the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage tool, you can view Conforming Conventional, USDA, FHA, and VA loans side-by-side, which helps determine the best program in IL for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Galena, Jo Daviess, IL

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

This table pertains to the following zip codes: 61036

Conventional and FHA Loan Opportunities in Galena, IL

Lendersa® aims to help you secure the best Conventional, USDA, or FHA loan swiftly and effortlessly. Choose from three pathways to connect with matching lenders and programs that meet your needs.

  1. Submit a detailed request for optimization across Conventional/USDA/FHA loans
  2. Explore Conventional, USDA, and FHA rates & terms upfront
  3. Browse the largest database of Conventional lenders
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Galena Lenders


  • Apple River State Bank
  • 103 North Main Street, Apple River, IL, 61001
  • Lends in Illinois

  • Apple River State Bank and our First Community Bank branch for your banking needs.

    As a community bank we provide a wide variety of financial services but delivered in a personalized manner only small banks can offer.

    Apple River State Bank was chartered in 1948 and opened in Apple River, Illinois which still remains a locally owned finan

  • Citizens State Bank of Lena
  • 102 W. Main Street, Lena, IL, 61048
  • Lends in Illinois

  • At Citizens State Bank, we are committed to being your full service, independent, locally-owned community bank. Our customers rely on our expertise, professional staff and diverse products and services, many of which can be customized to suit your specific needs. All business decisions are made locally by people who live and work where you do.

  • The State Bank of Pearl City
  • 215 South Main Street, Pearl City, IL, 61062
  • Lends in Illinois

  • The year 1945 marked the official end of World War II, the founding of the United Nations and on December 8th, The State Bank of Pearl City was established. The bank has been an independently owned community bank since that day.

    Our focus continues to be on you and your financial needs, our local families, businesses and farmers.
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