In 2026, the FHA loan limits in Berkeley, part of Cook, IL, are set at $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit dwellings, and $907,900 for four-unit buildings.
As for conventional loans, the highest permissible loan amount for a single-family residence is $726,200. This maximum increases to $929,850 for homes with two units, $1,123,900 for three units, and $1,396,800 for four-unit complexes.
Utilize our FHA calculator to uncover today’s prime FHA rates and evaluate crucial factors such as downpayment requirements, income criteria, credit score evaluation, reserves, and necessary documentation for qualification.
Review and contrast a diversity of loan offers from 100 different lenders, helping you identify the best opportunity.
The Lendersa® calculator facilitates the comparison of FHA rates and terms with those of other loans. Dive into and evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in tandem with FHA opportunities.
Lendersa® gathers vast quantities of data from numerous lenders to provide a quick and tailored analysis perfectly aligned with your unique financial scenario and needs.
Access the Loan Limits Comparison Table for 2026 in Berkeley, within Cook, IL, to compare maximum loan limits across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For insights into qualification metrics like income, reserves, and credit standards, utilize the innovative 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 | $0 | $0 | $0 | $0 |
| 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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