In 2026, the FHA loan limits established for Crystal-Lake county in McHenry, IL, are set as follows: $379,500 for a single-family residence, $485,800 for dual-unit homes, $587,250 for triple-unit dwellings, and $729,800 for quad-unit properties.
The maximum amount available for conventional loans on a single-family home is $548,250. For two units, this increases to $702,000, for three-unit properties to $848,500, and for four-unit buildings, it extends to $1,054,500.
Utilize our FHA calculator to explore today's optimal FHA loan rates and determine necessary requirements for downpayment, income levels, credit check, reserve assessments, and essential documentation to qualify.
The Lendersa® calculator is engineered to compare FHA rates and terms with those of other loan programs. Explore options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans.
Acquiring detailed loan data, Lendersa® facilitates rapid comparison by aligning thousands of lenders’ offers with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Crystal-Lake county of McHenry, IL provides insights into maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), alongside Hard Money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification criteria like income, reserves, and credit requirements comprehensively.
| 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 | $303,600 | $303,600 | $303,600 | $303,600 |
| 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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