In 2026, the FHA loan limits for Effingham county, which is part of Effingham, IL, are defined as $472,030 for single-family homes. For 2-unit residences, the limit is $604,400; for 3-unit houses, it's $730,525, while 4-unit properties have a limit of $907,900.
For conventional loans, the maximum amount for a single-family dwelling is $726,200. If it's a duplex, that amount rises to $929,850, and for 3-unit homes, it comes to $1,123,900. Meanwhile, four-unit homes have a conventional loan limit reaching $1,396,800.
Our FHA calculator helps you explore today’s highly competitive FHA rates and deduce the right downpayment, income, credit score, reserves, and paperwork necessary for your qualification.
The Lendersa® calculator is designed to allow you to weigh FHA interest rates and terms against those of other types of loans. Feel free to explore options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, all compared with FHA.
Lendersa® rapidly retrieves all pertinent loan program data from a vast network of lenders, instantly aligning it with your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026 in Effingham county within Effingham, IL, provides a comprehensive overview of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Compare qualification necessities including income, reserves, and credit using 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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