2026 FHA loan limit in Arcola, Douglas county IL

As of 2026, the FHA loan limit in the county of Douglas, located in Arcola, IL, stands at $472,030 for single-family homes. For duplexes, the limit is $604,400; for triplexes, it's $730,525; and for four-unit residences, it's capped at $907,900.

For conventional loans, maximum amounts are $726,200 for a single-family home. They're adjusted to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.

Utilize our FHA calculator to explore the best FHA rates today. This tool enables you to calculate necessary details such as the downpayment, income requirements, credit standing, reserves, and essential documents for loan qualification.

Investigate offers from 100 different lenders

Review Your Loan Options in Arcola, IL

The Lendersa® calculator provides a comprehensive means to compare FHA rates and terms with those of other loan programs. Delve into and contrast different options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans relative to FHA.

Lendersa® aggregates extensive loan data from thousands of lending sources, swiftly matching it to your distinct financial profile and needs.

The Loan Limits Comparison Table for 2026 in Arcola county of Douglas, IL presents a side-by-side comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly compare qualifications like income, reserves, and credit requirements, 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

Arcola FHA Lenders
(217) 268-4911 Lender's profile and map Arcola First Bank 127 South Oak Street, Arcola, IL, 61910 Lends in Illinois Arcola First Bank is a branch office of Arcola First Bank. They provide the following services: Full Service Office Location & are located at 127 South Oak Street in Arcola Illinois. Mobile & traditional directions to this location can be found below along with ratings, their phone number, online banking website and additional banking information
(877) 888-5629 Lender's profile and map First Mid 1515 Charleston Ave, Mattoon, IL, 61938 Lends in Illinois First Mid Bank & Trust, N.A. (“First Mid Bank”); First Mid Wealth Management Co.; and First Mid Insurance Group, Inc.First Mid is a $6.0 billion community-focused organization that provides a full-suite of financial services including banking, wealth management, brokerage, ag services, & insurance through a sizeable network of locations throughout.
(877) 925-3030 Lender's profile and map CIBM Bank 2913 W. Kirby Ave, Champaign, IL, 61821 Lends in Illinois CIBM Bank is a wholly owned subsidiary of CIB Marine Bancshares, Inc. and formerly operated as "Marine Bank" in its Indiana and Wisconsin markets, "Central Illinois Bank" in its central Illinois market, "Avenue Bank" in its Chicagoland market, and Avenue Mortgage, a division of CIBM Bank serving the communities of all CIBM Bank branches
(217) 278-7700 Lender's profile and map U of I Community Credit Union 2201 S First St, Champaign, IL, 61820 Lends in Illinois we began serving hourly wage earners from a janitor room at the U of I Power Plant in October 1932. At the end of that first year, the credit union had 37 members, two borrowers, & $116.97 in assets. By 1935, the credit union moved off campus to Urbana, expanded its charter to include faculty, & was renamed University of Illinois
(217) 875-2301 Lender's profile and map Decatur Earthmover Credit Union 319 E. Jasper Street, Paris, IL, 61944 Lends in Illinois We started out as the Decatur Caterpillar Employees Credit Union in 1956. Back then people couldn't borrow money from banks, only businesses could. It was hard to save enough to buy a house or car (still is). So, they organized a credit union where they could deposit part of each paycheck (in a shoebox).
(217) 795-2331 Lender's profile and map The Gerber State Bank 110 East Elm Street, Argenta, IL, 62501 Lends in Illinois The Gerber State Bank, Argenta, Illinois, was founded by James W. Brown and Samuel Gerber as a partnership under the names of “Brown and Gerber Bankers”, in 1887. The bankers opened for business in a wooden frame building just north of the railroad tracks along North Street. Eventually, that wooden structure burned to the ground.
(217) 875-3131 Lender's profile and map Hickory Point Bank & Trust 225 North Water Street, Decatur, IL, 62523 Lends in Illinois Hickory Point Bank is proud to call Central Illinois home. It’s that pride that shapes us and influences the way we interact with our customers and our communities. What affects you, affects us, and that includes everything from the economy to the weather to the results of last night’s games.
(217) 424-9400 Lender's profile and map Land of Lincoln Credit Union 4850 E Prosperity Place, Decatur, IL, 62521 Lends in Illinois Land of Lincoln Credit Union was founded in 1947. As a full-service financial institution, LLCU serves over 30, 000 members. Membership in LLCU is open to anyone who lives or works in 26 Illinois counties and their immediate family members. Land of Lincoln Credit Union offers 12 convenient locations in 8 cities to best serve
(217) 897-1136 Lender's profile and map Fisher National Bank 102 E. Division, Fisher, IL, 61843 Lends in Illinois The Fisher National Bank opened for business November 18, 1955 at a small office in downtown Fisher, IL. With numerous additions and renovations, this facility served our needs very nicely over the years. In the late 1990s, due to steady growth and the loyalty of our many clients, the board realized it was time to make another investment.
(800) 252-6950 Lender's profile and map Credit Union 1 200 E Champaign Avenue, Rantoul, IL, 61866 Lends in Illinois Our History: In 1958, Chanute Military Credit Union opened its doors on the Chanute Air Force Base in Rantoul, Illinois to serve military personnel and their families. With the government's announcement of plans to close the Chanute Air Force Base, plans were made to expand the credit union in order to continue to serve those faithful.