In 2026, for the county of Elgin within Kane, IL, the FHA loan limits are: $472,030 for a single-family home, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit buildings.
The ceiling for conventional loans on a single-family residence is $726,200. It rises to $929,850 for two-unit homes, $1,123,900 for three units, and it reaches $1,396,800 for four-unit properties.
Utilize our FHA calculator to calculate today’s best FHA rates and assess the required downpayment, income needs, credit criteria, reserves, and documentation necessary for qualifying.
The Lendersa® calculator enables you to compare FHA rates and terms with those from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls data from thousands of lenders, swiftly comparing it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Elgin county of Kane, IL, outlines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification criteria such as income, reserves, and credit.
| 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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