For the year 2026, the FHA loan ceilings in East-Alton county, situated in Madison, IL, are established at $356,362 for single-family homes. The limit progresses to $456,275 for residences with two units, to $551,500 for three-unit dwellings, and finally to $685,400 for those with four units.
Conversely, the conventional loan caps on a single-family property are set at $548,250, extending to $702,000 for two-unit homes, $848,500 for three-unit buildings, and capping at $1,054,500 for four-unit properties.
Leverage our FHA calculator for insight into today's favorable FHA rates, also evaluating necessary downpayments, income criteria, credit score requirements, reserves, and documentation needed for qualification.
The Lendersa® tool provides a comprehensive comparison of FHA rates and terms side-by-side with those of other available loan programs. Dive deeper into comparing Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans vis-à-vis FHA offers.
Amassing data from thousands of lending entities, Lendersa® rapidly aligns and evaluates it with your specific financial needs, providing tailored results in seconds.
Consult the Loan Limits Comparison Table for 2026 in East-Alton, located in Madison, IL, offering insights into maximum loan limits across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to scrutinize qualification prerequisites, including income, reserve requirements, and credit essentials.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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