In 2026, FHA loan limits in Harvard county, part of McHenry, IL, are set at $472,030 for a single-family home, $604,400 for two-unit residences, $730,525 for three-unit properties, and $907,900 for four-unit buildings.
The maximum conventional loan amount for a single-family residence is $726,200. For two-unit homes, it is $929,850; for three units, the cap is $1,123,900, and it is $1,396,800 for properties with four units.
Use our FHA calculator to find the leading FHA rates of today and determine the necessary downpayment, income, credit requirements, reserves, and documents needed for qualification.
The Lendersa® calculator aids you in comparing FHA rates and terms with those of other loan programs. Delve into options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® compiles extensive loan program data from thousands of lenders, aligning it swiftly with your financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Harvard county of McHenry, IL provides insight into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria such as income, reserves, and credit, take advantage of 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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