In 2026, the FHA loan limits for the county of Winnebago in Cherry-Valley, IL are set at $356,362 for single-family homes, $456,275 for properties with two units, $551,500 for three-unit buildings, and $685,400 for those with four units.
For conventional loans, the highest amounts available are $548,250 for a single-family residence, $702,000 for a two-unit property, $848,500 for three units, and $1,054,500 for four-unit homes.
Take advantage of our FHA calculator to check the best available FHA rates today, and use it to work out the downpayment, assess income, credit, reserves, and the necessary documents needed for qualification.
The Lendersa® calculator offers the ability to assess FHA rates and terms in relation to other available loan programs. Examine and compare options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA calculations.
Lendersa® collects extensive loan data from thousands of lending institutions and compares it efficiently with your individual financial needs and profile.
The Loan Limits Comparison Table for 2026 in Cherry-Valley, Winnebago, IL, details the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to delve into requirements like income, reserves, and credit qualifications.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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