For the year 2026, the FHA loan limits in the county of Cook, Harvey, IL, are as follows: $472,030 is the cap for single-family homes, $604,400 applies to two-unit residences, $730,525 is designated for three-unit properties, and four-unit homes are limited to $907,900.
When it comes to conventional loans, the maximum amounts are $726,200 for a single-family home, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to uncover today’s most advantageous FHA rates and find out what is needed regarding downpayment, income, credit history, reserves, and necessary documents for qualification.
The Lendersa® calculator allows the comparison of FHA rates and terms alongside all other loan program options. It provides the means to explore and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® aggregates extensive loan program data from numerous lenders, and quickly compares this data to your specific financial profile and needs.
In Harvey, county of Cook, IL, our Loan Limits Comparison Table for the year 2026 offers a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximum limits. To assess requirements such as income, credit, and reserves, use Lendersa®’s 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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