In 2026, the FHA loan limit for Lakewood county in McHenry, IL stands at $472,030 for a single-family home. For properties with two units, the limit is $604,400; for three-unit buildings, it is $730,525; and for those with four units, the limit is $907,900.
Concerning conventional loans, the maximum amounts are $726,200 for a single-family residence, $929,850 for a two-unit property, $1,123,900 for a three-unit structure, and $1,396,800 for four units.
Use our FHA calculator to find today’s most competitive FHA rates and determine the necessary downpayment, income, credit score, reserves, and documentation required for eligibility.
The Lendersa® calculator allows you to evaluate and compare FHA rates and terms with other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Discover and compare these options with ease.
Lendersa® gathers comprehensive data from thousands of lenders and swiftly aligns it with your distinct financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 in Lakewood, McHenry, IL to compare the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria like income, reserves, and credit requirements, employ 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 |
|
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
