In 2026, the FHA loan limits in Madison county of Madison, IL are as follows: $472,030 for a single-family home, $604,400 for 2-unit properties, $730,525 for 3-unit buildings, and $907,900 for 4-unit residences.
For conventional loans, the maximum loan amounts for a single-family residence are $726,200, $929,850 for properties with 2 units, $1,123,900 for those with 3 units, and $1,396,800 for 4-unit structures.
Use our FHA calculator to discover today’s top FHA rates and understand the essential requirements, like the downpayment, income, credit score, reserves, and necessary documents needed to qualify.
The Lendersa® calculator allows you to evaluate and compare the rates and terms for FHA loans against other programs such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® harnesses loan program data from thousands of lenders, quickly aligning it with your unique financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Madison county of Madison, IL provides a comprehensive view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to ascertain qualification criteria such as income, reserves, and credit standards.
| 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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