In 2026, the FHA loan limits in Highland county of Madison, IL, are $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four-unit homes.
The maximum amount for conventional loans on a single-family residence is $726,200, with two-unit homes capped at $929,850, three units at $1,123,900, and four-unit properties at $1,396,800.
Use our FHA calculator to review today’s best FHA rates and determine the needed downpayment, income requirements, credit score, reserves, and necessary documents for qualification.
The Lendersa® calculator allows you to contrast FHA rates and terms with those of other loan programs. Investigate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in addition to FHA.
Lendersa® gathers data from thousands of lenders, quickly comparing it to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Highland county, Madison, IL, helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To understand qualification needs such as income, reserves, and credit, utilize 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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