For the year 2026, the FHA loan limits within Des-Plaines county of Cook, situated in IL, are set at $379,500 for a single-family home. These limits progress to $485,800 for homes with two units, $587,250 for those with three units, and $729,800 for four-unit buildings.
When considering conventional loans, the maximum permitted loan amount for a one-unit residence is $548,250. This increases to $702,000 for two-unit residences, $848,500 for three-unit buildings, and culminates at $1,054,500 for four-unit homes.
To gain insights into the most competitive FHA rates available today, make use of our FHA calculator. It will help you to determine the necessary downpayment, review income requirements, check credit, assess reserves, and identify the documents needed for qualification.
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The Lendersa® calculator serves as a comprehensive tool for comparing FHA loan rates and terms with those of other loan programs. Take the opportunity to explore a variety of financing options, ranging from Conventional loans, Jumbo loans, to VA, USDA, Non-Qm, and Hard Money loans, alongside FHA offerings.
Lendersa® draws on an extensive database, sourcing loan program data from a multitude of lenders. This allows for a rapid comparison against your individualized financial profile and specific needs.
Consult our Loan Limits Comparison Table for 2026 in Des-Plaines county, within Cook, IL. This table allows you to compare the maximum loan amounts across various loan types including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Additionally, access the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to perform a detailed analysis of qualification criteria such as income, reserves, and credit.
| 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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