In 2026, FHA loan limits in East-St.-Louis county of St. Clair, IL, are set at $356,362 for single-family homes, increasing to $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
The maximum amount for conventional loans on a single-family residence is $548,250, with $702,000 applicable for 2-units, $848,500 for 3-units, and reaching $1,054,500 for 4-units.
Use our FHA calculator to explore today’s top FHA rates and find out the downpayment, income, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator aids in comparing FHA rates and terms with those of other loan programs. Delve into possibilities like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans alongside FHA options.
Lendersa® sources loan data from thousands of lenders, providing swift comparisons according to your unique financial profile and needs.
In 2026, the Loan Limits Comparison Table for East-St.-Louis county of St. Clair, IL, outlines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Compare qualification requirements like income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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