For the year 2025, 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 2025 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
