FHA VS Conventional loan programs in Rock-Island, Rock Island County, Illinois
For 2026, the conventional loan limit for Rock-Island, located in Rock Island county, IL, stands at $647,200. Meanwhile, the FHA loan limit is $420,680 for a single-family home. These limits ensure you understand your borrowing capacity and financing options tailored to specific properties in this region.
Use the Lendersa® Conventional loan calculator to effectively compare current rates of Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation for eligibility. The advanced mortgage calculator presents Conforming Conventional, USDA, FHA, and VA loans side by side to clearly identify the best financial solution in IL that suits your needs.
Explore Loan Limits and Down Payment Necessities for 2026 in Rock-Island, Rock Island, IL
Loan Type
Loan Limit
Down payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison table is applicable to the specified zip codes: 61201
Diverse Conventional and FHA Loan Options in Rock-Island, IL
Our aim at Lendersa® is to quickly connect you with the most favorable Conventional, USDA, or FHA loans without hassle. Start with one of three pathways that connect you to matching lenders and loan solutions tailored to your specifications.
Gas & Electric Credit Union proudly serves employees and retirees of MidAmerican Energy, the City of Rock Island, BITCO Insurance, Illinois Casualty Company, Rock Island Corps of Engineers, Friendship Manor, Rock Island Milan School District, Downtown Rock Island District Businesses and many other local, small businesses
Service Plus Credit Union is a full service financial institution in Moline, Illinois which was established in 1950. Membership is open to anyone who lives or works in Rock Island or Henry counties, IL. Big enough to Serve you, small enough to Know you. Credit Union is a full service financial institution in Moline
As an exclusive benefit to Deere employees and their families, Deere Employees Credit Union is focused on removing the frustrations of everyday banking and ALWAYS acting in the best interest of our members.
By constantly investing in our people and technologies, Deere Employees Credit Union is able to provide consistent
SENB Bank has proudly served the Quad Cities and neighboring communities since forming in 1961 and is approximately $370 million in assets. In 2019 the bank expanded into the Stateline (Roscoe/Beloit) region of Illinois and Wisconsin, with six banking centers serving Illinois, Iowa and Wisconsin.
Founded in 1934, our eight charter members were production line workers at the East Moline Works Plant. Open only three times a day during shift change, employees at the original office in the middle of the plant had to manage over the noise of the steel-wheeled trailers moving over the creosote floors.
"Ruhl Mortgage is a full-service mortgage banker with experienced staff, offering expertise in every area of mortgage lending - from purchase and refinance to even construction lending.
Ruhl Mortgage offers purchase and refinance loans, including FHA, VA, Rural Development loans, second home loans,"
Blackhawk Bank & Trust has been serving the banking needs of the Quad Cities community since 1961 when ground was broken on our first branch in Milan, Illinois. Today the Blackhawk Bank & Trust branch footprint extends through the counties of Rock Island, Mercer, and Henry in Illinois, and Scott in Iowa.
