In 2026, the FHA loan cap in Champaign county of Champaign, IL, is $472,030 for a single-family home, rising to $604,400 for two-unit buildings, $730,525 for three units, and $907,900 for four-unit structures.
The top amount for conventional loans on a single-family residence is $726,200. For two units, it's $929,850; for three units $1,123,900; and for four units $1,396,800.
Employ our FHA calculator to find today's best rates and to pinpoint downpayment, income, credit requirements, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms alongside other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles data from thousands of lenders, swiftly comparing it against your personal financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Champaign county of Champaign, IL, offers maximum loan amounts comparison 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 assess qualifications like 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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