In 2026, the FHA loan limit in Alton county of Madison, IL, is $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for those with three units, and $907,900 for four-unit dwellings.
The conventional loan maximum for a single-family residence is $726,200. For homes with two units, the upper limit is $929,850, for properties with three units, it is $1,123,900, and for those with four units, it reaches $1,396,800.
Utilize our FHA calculator to see today’s best FHA rates and to determine the necessary downpayment, income requirements, credit score, reserves, and documents to qualify.
The Lendersa® calculator helps you compare FHA loan rates and terms with those from other programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects loan program data from thousands of lenders to quickly match it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Alton county of Madison, IL, offers comparisons of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification aspects such as income, reserves, and credit, utilize 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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