In 2026, the FHA loan limits set for Johnsburg county of McHenry, IL, stand at $472,030 for a single-family home, rising to $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for four-unit residences.
The maximum cap for conventional loans on a single-family home is $726,200. This limit extends to $929,850 for a duplex, reaches $1,123,900 for triplexes, and sets at $1,396,800 for four-unit homes.
Make use of our FHA calculator to explore the best FHA rates available today and determine the necessary downpayment, income, credit, reserves, and documentation required to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms alongside other loan programs, such as conventional, jumbo, VA, USDA, non-QM, and hard money loans. Delve into and weigh these options thoroughly.
Lendersa® accesses data from a broad spectrum of lenders, providing quick, tailored comparisons that align with your distinct financial profile and needs.
Consult the Loan Limits Comparison Table for 2026 in Johnsburg county, McHenry, IL, to evaluate maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To further examine qualification requirements like income, reserves, and credit, use 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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