In 2026, FHA loan limits in Godfrey county, Madison, IL are $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The maximum amount for conventional loans on a single-family home is $726,200. For 2-units, it reaches $929,850; for 3-units, $1,123,900; and 4-units top out at $1,396,800.
Use our FHA calculator to find today’s best FHA rates and assess the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator lets you compare FHA rates & terms with other loan programs. Review options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA opportunities.
Lendersa® processes data from thousands of lenders, rapidly aligning it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Godfrey, Madison, IL highlights maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To check qualification requirements such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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