In 2026, the FHA loan limits for Centreville in St. Clair, IL, are set at $472,030 for a single-family home. For properties with two units, the limit is $604,400; for three units, it climbs to $730,525; and for four units, it reaches $907,900.
The upper limits for conventional loans on a single-family property are $726,200. For two-unit homes, the cap is $929,850, extending to $1,123,900 for three-unit buildings, and $1,396,800 for four-unit dwellings.
Utilize our FHA calculator to access today's most competitive FHA rates. It will help you determine crucial factors such as the necessary downpayment, income levels, credit requirements, reserves, and documentation needed to qualify.
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The Lendersa® calculator empowers you to compare FHA rates and terms with a variety of other loan programs. Investigate a comprehensive range of alternatives including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money options.
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The Loan Limits Comparison Table for 2026 in Centreville, St. Clair, IL provides a complete look at maximum amounts for various loan types: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualifying factors such as income, reserves, and credit, use the 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 | $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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