For 2026, FHA loan limits in Charleston county, part of Coles, IL, are set at $472,030 for single-family homes. Two-unit properties have a limit of $604,400, 3-unit homes can go up to $730,525, and 4-unit buildings are capped at $907,900.
The cap for conventional loans is $726,200 for single-family homes. For 2-units, the limit is $929,850. For 3-units and 4-units, the amounts are $1,123,900 and $1,396,800 respectively.
Use our FHA calculator to explore today’s best FHA rates, factoring in downpayment, income, credit, reserves, and the documents needed for qualifying.
With the Lendersa® calculator, compare FHA rates and terms to other loan programs. Explore options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® rapidly acquires data from thousands of lenders, providing a tailored comparison to suit your unique financial needs.
The Loan Limits Comparison Table for 2026 in Charleston county, Coles, IL, features FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements including 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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