For 2026, the FHA loan limit in the county of Mercer, Aledo, IL, is as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for 3-unit homes, and $907,900 for 4-unit buildings.
The cap for conventional loans on a single-family residence is $726,200, with a maximum of $929,850 for 2-units, $1,123,900 for 3-unit dwellings, and $1,396,800 for 4-units.
Utilize our FHA calculator to access today's optimal FHA rates and discover the prerequisites for qualification, including downpayment, income, credit score, reserves, and documentation.
The Lendersa® calculator offers comparisons of FHA rates and terms with those of other programs. Evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® actively collects data from thousands of lenders, matching it with your financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Aledo, Mercer, IL displays maximums for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification essentials such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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