In 2026, the FHA loan limits in Bethalto county of Madison, IL are $472,030 for single-family homes, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The upper limit for conventional loans on single-family residences is $726,200. For two-unit homes, it is $929,850, three-units are at $1,123,900, and four-units reach $1,396,800.
Use our FHA calculator to view today’s top FHA rates and find out the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Analyze Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA options.
Lendersa® accumulates data from thousands of lenders and swiftly matches it to your financial profile and needs.
In 2026, the Loan Limits Comparison Table for Bethalto county of Madison, IL, provides maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess requirements around income, reserves, and credit.
| 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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