In 2026, the FHA loan limits in Gurnee county, Lake, IL, are defined as: $472,030 for a single-family home, $604,400 for 2-unit residences, $730,525 for 3-unit buildings, and $907,900 for properties with 4-units.
For conventional loans, the maximum allowed for a single-family home is $726,200, ascending to $929,850 for 2-units, $1,123,900 for 3-unit homes, and $1,396,800 for those with 4-units.
Our FHA calculator can assist you in exploring today's top FHA rates, helping you assess the required downpayment, income thresholds, credit qualifications, reserves, and documentation needed to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms alongside those from other loan programs. Delve into options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® aggregates extensive loan program data collected from thousands of lenders, facilitating rapid comparisons with your unique financial profile and needs.
Check the Loan Limits Comparison Table for 2026 in Gurnee county of Lake, IL, which highlights maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To gauge qualification standards such as income, reserves, and credit requirements, 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 | $0 | $0 | $0 | $0 |
| 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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