In 2026, the FHA loan limits in Chicago county of Cook, IL are detailed as follows: $472,030 for a single-family home, $604,400 for a duplex, $730,525 for a triplex, and $907,900 for a property with four units.
The maximum loan amounts for conventional mortgages are: $726,200 for a single-family residence, $929,850 for a two-unit home, $1,123,900 for three units, and $1,396,800 for four-unit dwellings.
Our FHA calculator offers a great way to check today’s premier FHA rates and to find out essential downpayment, income, credit, reserve requirements, and documents required for qualification.
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The Lendersa® calculator empowers you to compare FHA rates and terms with those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Explore and make informed choices.
By gathering program data from thousands of lenders, Lendersa® can quickly align these options with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Chicago, Cook, IL allows a comprehensive comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate necessary qualification parameters like income, reserves, and credit, employ 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 | $0 | $0 | $0 | $0 |
| 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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