During 2026, in the county of Cicero, part of Cook, IL, the FHA loan limits are established at $472,030 for single-family homes. For two-unit properties, the limit increases to $604,400, it is $730,525 for tri-unit residences, and reaches $907,900 for four-unit setups.
For conventional loans, the maximum amount for a single-family residence is $726,200. For homes with two units, this rises to $929,850, the limit is $1,123,900 for three-unit buildings, and $1,396,800 is the ceiling for four-unit structures.
Utilize our FHA calculator to explore current FHA rates, allowing you to accurately calculate downpayment requirements, assess necessary income levels, credit needs, reserves, and other qualification documents.
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Utilizing the Lendersa® calculator, you can effectively compare FHA loan rates and terms with those of various other programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, enabling a comprehensive evaluation of your options.
Lendersa® retrieves extensive data from thousands of lenders, rapidly aligning it with your specific financial profile and requirements, providing a customized comparison for informed decisions.
In 2026, the Loan Limits Comparison Table for Cicero county in Cook, IL, delivers a detailed comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly understand qualification requirements including income, reserves, and credit, turn to 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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