In 2026, FHA limits in Freeburg, St. Clair, IL are $472,030 for single-family homes, $604,400 for two units, $730,525 for three units, and $907,900 for four-unit properties.
The cap for conventional loans on a single-family home is $726,200, rising to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four-unit homes.
See today’s best FHA rates with our FHA calculator, and estimate the downpayment, income, credit, reserves, and documents needed to qualify.
Use the Lendersa® calculator to compare FHA rates and terms with other loan types. Review options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly compares data from thousands of lenders to your financial profile for a personalized match.
Find the Loan Limits Comparison Table for 2026 in Freeburg, St. Clair, IL to see limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for more on qualification requirements like 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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