In the year 2026, FHA loan limits for Cahokia county, located in St. Clair, IL, are defined at $472,030 for a single-family residence. For dual-unit properties, it's $604,400, for three-unit homes, it is $730,525, and for buildings with four units, it's set at $907,900.
The conventional loan maximum amounts for a single-family dwelling reach $726,200, while for 2-unit properties, it's $929,850. For residences with three units, the cap is $1,123,900, and four-unit structures allow for $1,396,800.
Use our FHA calculator to explore today’s optimal FHA rates and assess the necessary downpayment, income, credit score, reserves, and required documentation needed for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms against those of other loan programs. Explore options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA products.
Lendersa® draws on loan data from thousands of lenders, quickly matching it to your unique financial situation and needs.
The Loan Limits Comparison Table for 2026 in Cahokia county, St. Clair, IL, provides side-by-side comparisons of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to contrast key qualifications such as income, reserves, and credit criteria.
| 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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