In the year 2026, FHA loan limits for Hoffman-Estates county in Cook, IL, are set as follows: $379,500 for a single-family home, escalating to $485,800 for 2-unit homes, climbing to $587,250 for 3-unit units, and reaching $729,800 for those with 4-units.
For conventional loans, the maximum permissible amount for a single-family residence is $548,250. This increases to $702,000 for homes with two units, $848,500 for three-unit residences, and maxes out at $1,054,500 for four-unit complexes.
Utilize our FHA calculator to access today's best FHA rates available. It assists in calculating the requisite downpayment, as well as in assessing income, credit, reserves, and the necessary documents for qualification.
The Lendersa® calculator is adept at comparing FHA rates and terms against all other loan types and terms. Explore and juxtapose FHA with options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® accumulates comprehensive data from thousands of lenders and swiftly analyzes it against your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Hoffman-Estates county, within Cook, IL, allows you to compare the apex loan amounts across various products: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To delve into qualification requirements such as income, reserves, and credit, deploy 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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