In 2026, FHA loan limits for McHenry county, McHenry, IL, are as follows: $472,030 for single-family homes, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The maximum amounts for conventional loans on a single-family residence are $726,200, rising to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Use our FHA calculator to explore today's best FHA rates and determine the needed downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator aids in comparing FHA rates and terms with other loan program options. Explore loans including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money alongside FHA.
Lendersa® compiles data from thousands of lenders, providing quick comparisons tailored to your financial situation and needs.
The Loan Limits Comparison Table for 2026 in McHenry county, McHenry, IL, shows maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Use Lendersa® SLIQ™ for qualification criteria like income, reserves, and credit.
| 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:
