For 2025, the FHA loan limits in Carbondale county of Jackson, IL stand at $472,030 for single-family homes, $604,400 for dual-unit structures, $730,525 for tri-units, and $907,900 for four-unit properties. These limits are essential for understanding the maximum amount accessible through FHA loans for each housing category, guiding homebuyers in their financing plans.
Regarding conventional loans, the upper limits are depicted as $726,200 for a single-family dwelling. For properties with two units, you can borrow up to $929,850, extending to $1,123,900 for three-unit residences and maximizing at $1,396,800 for buildings with four units. These figures are vital for those considering conventional borrowing options, ensuring they align their financial strategies accordingly.
Leverage our FHA calculator to discover today’s best FHA rates, calculating key factors such as necessary down payments, income requirements, credit ratings, reserves, and document needs required for qualification. This tool simplifies the process of evaluating financial readiness and establishing a clear plan.
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The Lendersa® calculator provides a thorough comparison of FHA rates and terms with those of numerous other loan programs. This includes Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, facilitating options for informed decision-making.
By integrating extensive loan data from a multitude of lenders, Lendersa® swiftly aligns these options with your individual financial profile and needs, delivering detailed insights into how each program fits your circumstances.
The Loan Limits Comparison Table for 2025 in Carbondale county, Jackson, IL, offers a detailed evaluation of maximum lending amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed comparisons in qualification requirements such as income levels, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to ensure robust financial planning and strategic deployment of resources.
| 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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