In 2026, the FHA loan limits in Highland-Park county, Lake, IL are as follows: $379,500 for single-family homes, increasing to $485,800 for 2-units, $587,250 for 3-units, and capping at $729,800 for 4-units.
For conventional loans, the maximum amount allowed for a single-family property is $548,250, rising to $702,000 for homes with two units, $848,500 for three-unit buildings, and reaching $1,054,500 for those with four units.
Use our FHA calculator to explore today's best FHA rates and determine necessary downpayments, income requirements, credit evaluations, reserves, and documents needed for qualification.
The Lendersa® calculator lets you compare the rates and terms of FHA loans with those from other programs. Evaluate financing options such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans alongside FHA.
Lendersa® sources data from thousands of lenders, providing rapid comparisons tailored to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Highland-Park county, Lake, IL, captures maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To check qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $379,500 | $485,800 | $587,250 | $729,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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