In 2026, within Freeport county of Stephenson, IL, the FHA loan limits are as follows: $472,030 for a single-family home, $604,400 applies to 2-unit homes, $730,525 for 3-units, and $907,900 for 4-units.
The maximum conventional loan amount for a single-family home is $726,200, for 2-units it is $929,850, for 3-units $1,123,900, and for 4-units it reaches $1,396,800.
Utilize our FHA calculator to view the most competitive FHA rates available today and calculate the necessary downpayment, required income, credit score, reserves, and documentation needed for qualification.
The Lendersa® calculator offers the ability to compare FHA rates and terms with those of other loan programs. It provides insights into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® compiles data from thousands of lenders, providing rapid comparisons tailored to your financial circumstances and requirements.
For 2026 in Freeport, Stephenson, IL, our comprehensive Loan Limits Comparison Table displays the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification criteria such as income, credit, and reserves.
| 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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