For 2026, the FHA loan limits in Chatham county, located in Sangamon, IL, are set at $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit homes, and $907,900 for four-units.
Conventional loan caps for a single-family residence are $726,200, with two-units at $929,850, three-units at $1,123,900, and four-unit properties capped at $1,396,800.
Take advantage of our FHA calculator to view today’s best FHA rates and learn the required downpayment, income, credit, reserves, and documents needed for qualification.
With the Lendersa® calculator, compare FHA rates and terms against all other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly retrieves loan program information from thousands of lenders, aligns it with your financial profile, and addresses your unique needs.
The Loan Limits Comparison Table for 2026 in Chatham county in Sangamon, IL, shows FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate requirements such as 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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