During 2026, the FHA loan limits for Holiday-Shores in Madison, IL stand at $356,362 for a single-family residence, $456,275 for two-unit homes, $551,500 for triplexes, and $685,400 for properties with four units.
The highest loan amounts for conventional loans on a single-family home are $548,250. For duplexes, the limit is $702,000, for triplexes, $848,500, and for four-unit homes, it is $1,054,500.
Utilize our FHA calculator to determine today's best FHA rates and to calculate the necessary down payment, income level, credit, reserves, and documents needed for qualification.
With the Lendersa® calculator, compare FHA rates and terms against various alternative loan packages. Delve into comparisons with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® processes data from a vast number of lenders quickly, aligning it with your particular financial circumstances and needs.
The Loan Limits Comparison Table for 2026 highlights maximum loan values across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options in Holiday-Shores county of Madison, IL. To compare qualification needs including income, reserves, and credit checks, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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