In 2026, the FHA loan limit within Dwight, located in Livingston, IL, stands at $472,030 for a single-family home. For two-unit buildings, the limit increases to $604,400, while for three-unit dwellings, it is $730,525. The highest limit is $907,900 for residences with four units.
Regarding conventional loans, the maximum permissible amount for a single-family home is set at $726,200. This amount rises to $929,850 for properties with two units, to $1,123,900 for three-unit buildings, and ultimately to $1,396,800 for four-units.
Our FHA calculator is an excellent resource to access the best current FHA rates. It aids in calculating necessary downpayments, evaluating income requirements, assessing credit standing, and determining reserves and documents essential for qualification.
Explore and compare loan offers from a wide array of 100 lenders, helping you secure the most advantageous option.
The Lendersa® calculator allows a thorough comparison of FHA rates and terms against those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® possesses data from thousands of lenders and performs rapid analysis against your unique financial profile, yielding tailored and insightful comparisons.
The Loan Limits Comparison Table for 2026 in Dwight, Livingston, IL provides an analysis of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To accurately evaluate qualification standards like income, reserves, and credit, employ 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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