In 2026, the FHA loan limits for Lyons county, part of Cook, IL, are $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit residences, and $907,900 for four units.
The maximum amount for conventional loans on a single-family home is $726,200. It extends to $929,850 for two-unit homes, $1,123,900 for three units, and $1,396,800 for four-unit properties.
Utilize our FHA calculator to explore today’s best FHA rates and assess the downpayment, income, credit faculties, reserves, and documents needed for qualification.
The Lendersa® calculator assists in comparing FHA rates and terms with those from other loan programs. Compare options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® quickly compiles loan program data from thousands of lenders, matching it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Lyons county of Cook, IL, details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria such as 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 | $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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