For the year 2026, the FHA loan limit in Hometown, within the county of Cook, IL, is set at $472,030 for a single-family residence, $604,400 for two-unit dwellings, $730,525 for three units, and $907,900 for four-unit structures.
When it comes to conventional loans, the highest loan amount for a single-family home is $726,200, with $929,850 for properties with two units, $1,123,900 for three-unit homes, and $1,396,800 for four units.
By using our FHA calculator, you can find the best current FHA rates and determine what is necessary to qualify, including the downpayment, income, credit requirements, reserves, and documentation.
The Lendersa® calculator aids in comparing FHA loan rates and terms with those of other programs. Investigate and evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles loan program information from a vast number of lenders, quickly matching it to your personal financial circumstances and requirements.
The Loan Limits Comparison Table for 2026 in Hometown, Cook, IL helps compare maximum loan amounts of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore eligibility factors like income, reserves, and credit rating, 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 | $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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