In 2026, the FHA loan limits in Auburn county, Sangamon, IL, are structured as follows: $472,030 for a single-family home, $604,400 for residences with two units, $730,525 for three-unit homes, and a cap of $907,900 for properties with four units.
For conventional loans, the highest amount available for a single-family residence is $726,200. This extends to $929,850 for homes with two units, $1,123,900 for three units, and reaches $1,396,800 for buildings with four units.
Leverage our FHA calculator to uncover today’s most favorable FHA rates and to calculate the necessary downpayment, income, credit standing, reserves, and documentation needed for qualification.
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The Lendersa® calculator grants you the ability to compare FHA rates and terms against other lending programs. Investigate a wide spectrum of loans including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA options.
Drawing on extensive data from thousands of lenders, Lendersa® offers rapid comparisons that are perfectly aligned with your financial picture and needs.
The Loan Limits Comparison Table for 2026 in Auburn, Sangamon, IL provides a thorough view of maximum loan amounts. It includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For in-depth qualification criteria such as income, reserves, and credit, make use of 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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