As of 2026, the FHA loan limits in Chicago-Ridge county, part of Cook, IL, are as follows: $379,500 for single-family homes, $485,800 for properties with two units, $587,250 for three-unit buildings, and $729,800 for four-unit dwellings.
Conventional loan caps for a single-family home are set at $548,250. For a duplex, the limit is $702,000, for triplexes it's $848,500, and for a four-unit property, it reaches $1,054,500.
Our FHA calculator can assist you in finding today’s best FHA interest rates, while also outlining the required downpayment, income levels, credit requirements, reserves, and documents necessary for loan approval.
The Lendersa® calculator allows you to compare FHA rates and terms against various other loan types. Discover and compare options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® efficiently gathers data from a multitude of lenders and rapidly aligns it with your financial profile and individual needs.
For 2026 in Chicago-Ridge county of Cook, IL, the Loan Limits Comparison Table provides a detailed examination of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Understand qualification criteria like income, reserves, and credit using 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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