For 2026, the FHA loan limit in Galena, Jo Daviess, IL is set at $472,030 for single-family homes. For multi-units, it's $604,400 for 2 units, $730,525 for 3 units, and $907,900 for 4 units respectively.
Meanwhile, for conventional loans, the maximum available is $726,200 for a single-family home, with higher limits of $929,850, $1,123,900, and $1,396,800 for 2, 3, and 4 units respectively.
Leverage our FHA calculator to discover the most competitive FHA rates. It helps determine the required down payment, income criteria, credit score, reserves, and essential documents for qualification.
Lendersa®'s calculator allows you to compare FHA rates and terms against all other loan programs. Examine and differentiate between Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans, as well as FHA options.
Drawing on data from thousands of lenders, Lendersa® quickly aligns loan program details with your specific financial situation and needs.
The Loan Limits Comparison Table for 2026 in Galena, Jo Daviess, IL allows for a clear comparison between FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a detailed comparison of income, reserves, and credit requirements.
| 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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