In 2026, within Fairfield, located in Wayne, IL, the FHA loan limits are as follows: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximum amount for a single-family dwelling is $726,200. The limit extends to $929,850 for two units, $1,123,900 for three-unit properties, and $1,396,800 for four units.
Utilize our FHA calculator to explore today’s most competitive FHA rates. It assists in calculating downpayments, assessing income, credit needs, reserves, and compiling necessary documentation for qualification.
Browse loan offers from a breadth of 100 lenders to discover the ideal match for your financial needs.
With the Lendersa® calculator, effortlessly compare FHA rates and terms with other loan programs. Evaluate various possibilities, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® draws upon comprehensive data from thousands of lenders, aligning available options with your financial profile and specific needs in a matter of seconds.
The Loan Limits Comparison Table for 2026 in Fairfield, Wayne, IL presents a side-by-side analysis of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To scrutinize qualification needs such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for accurate assessment.
| 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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