For 2026, the FHA loan limits in Algonquin county of McHenry, IL, are defined as $472,030 for single-family homes. These limits escalate to $604,400 for 2-units, $730,525 for 3-units, and reach $907,900 for 4-units.
As for conventional loans, the maximum permissible amount on a single-family residence is $726,200. This extends to $929,850 for homes with two units, $1,123,900 for three units, and $1,396,800 for those with four units.
Use our FHA calculator to explore today's leading FHA rates and determine the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with those of other loan programs. Dive into the assessment of options, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans alongside FHA offerings.
Lendersa® compiles comprehensive loan data from a myriad of lenders, enabling rapid comparison tailored to your financial circumstances and needs.
In 2026, the Loan Limits Comparison Table in Algonquin county, McHenry, IL, details maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For evaluating qualification criteria like income, reserves, and credit standards, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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