In the year 2026, the FHA loan limits for Lebanon county in St. Clair, IL, are established as follows: $472,030 for a single-family home. For properties with 2-units, the FHA cap is $604,400; for 3-units, it is $730,525; and for 4-units, the limit is $907,900.
The highest conventional loan amount applicable to a single-family residence is $726,200. For homes that have 2-units, the limit rises to $929,850; for 3-units, it stands at $1,123,900; and for 4-units, the maximum is $1,396,800.
Utilize our FHA calculator to find today's optimal FHA rates and to determine the necessary downpayment, income, credit standards, reserves, and required documents for qualification.
The Lendersa® calculator is an effective tool for comparing FHA rates and terms with those from other loan programs. Use it to explore various options, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA.
With data sourced from thousands of lenders, Lendersa® quickly evaluates this information against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Lebanon county, St. Clair, IL, allows for a detailed comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further examine qualification requirements such as income, reserves, and credit, 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 | $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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