As of 2026, the FHA loan cap in Mascoutah county, St. Clair, IL is set at $472,030 for a single-family home. It increases to $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
Meanwhile, conventional loan limits are $726,200 for a single-family dwelling and rise to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Access our FHA calculator to find the optimum rates today and learn about the downpayment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator lets you weigh FHA rates and terms against those of other loans, including conventional, jumbo, VA, USDA, non-QM, and hard money options.
By gathering data from numerous lenders, Lendersa® quickly aligns loan programs with your financial details and needs.
See the 2026 Loan Limits Table for Mascoutah, St. Clair, IL, comparing maximum amounts for FHA, conventional conforming, and others. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine income, reserves, and credit requirements.
| 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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