In the year 2026, FHA loan limits set for Calumet-City county within Cook, IL are these: $379,500 applies to single-family homes, $485,800 for buildings with 2-units, $587,250 for 3-unit properties, and maxes out at $729,800 for those with 4-units.
Conventional loan caps are set at $548,250 for single-family homes, increasing to $702,000 for two-unit residences, $848,500 for three-unit homes, and reaching $1,054,500 for those with four units.
Use our FHA calculator to access today’s top FHA rates, and assess your requirements for downpayment, income, credit, reserves, and necessary documentation to qualify.
The Lendersa® calculator provides the ability to compare FHA rates and terms against those of other loan programs, such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® compiles extensive data from countless lenders, quickly matching it with your individual financial profile for precise results.
The Loan Limits Comparison Table for 2026 in Calumet-City county of Cook, IL, showcases maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To evaluate qualification standards like income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is an invaluable tool.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $379,500 | $485,800 | $587,250 | $729,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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