In 2026, FHA loan limits in Cortland, DeKalb, IL are $472,030 for single-family houses, $604,400 for homes with two units, $730,525 for three-unit properties, and $907,900 for four-unit structures.
The maximum for conventional loans on a single-family home are $726,200, increasing to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator for current FHA rates and calculate your downpayment, necessary income, credit score, reserves, and documents for qualification.
The Lendersa® calculator lets you assess FHA rates and terms against other loan options. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® uses data from thousands of lenders to create quick, personalized comparisons based on your financial profile.
Our Loan Limits Comparison Table for 2026 in Cortland, DeKalb, IL covers maximum 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™) for a deep dive into qualification needs like income, reserves, and credit.
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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