In 2026, the FHA loan limits in Decatur county, part of Macon, IL, are defined as follows: $472,030 applies to a single-family home, $604,400 for two-unit properties, $730,525 for structures with three units, and $907,900 for properties comprising four units.
The maximum borrowing amount for conventional loans on a single-family residence is set at $726,200. For properties with two units, it is $929,850, $1,123,900 for those with three units, and $1,396,800 for buildings with four units.
Utilizing our FHA calculator, you can explore today’s most competitive rates and determine the essential downpayment, income requirements, credit score, reserves, and documents needed to qualify.
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The Lendersa® calculator lets you compare FHA rates and terms alongside those from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This enables a thorough exploration and comparison.
Gathering comprehensive loan program data from thousands of lenders, Lendersa® swiftly matches this information with your specific financial profile to offer tailored results.
The Loan Limits Comparison Table for 2026, in Decatur county, within Macon, IL, provides a side-by-side comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification needs such as income, reserves, and credit, make use of 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 | $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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