As of 2026, FHA loan limits in Chicago-Heights, within Cook county, IL, are established at $379,500 for a single-family home. For 2-units, the limit is $485,800; for 3-units, it is $587,250; and for 4-unit properties, it reaches $729,800.
The maximum allowable amount for conventional loans on a single-family residence is $548,250. This increases to $702,000 for two-unit properties, $848,500 for three units, and hits $1,054,500 for homes with four units.
Utilize our FHA calculator to access today’s top FHA rates and assess necessary downpayments, income, credit standing, reserves, and required documentation for loan qualification.
The Lendersa® calculator provides a platform to compare FHA rates and terms against those of other loan programs. Delve into an array of options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money with FHA.
Lendersa® gathers extensive data from thousands of lenders, allowing for rapid alignment with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Chicago-Heights, Cook, IL, reveals maximum loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For a detailed look at qualification requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $379,500 | $485,800 | $587,250 | $729,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| 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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