For the year 2026, the FHA loan ceiling in the county of Massac, encompassing Metropolis city in IL, stands at $472,030 for a one-unit home. It is set at $604,400 for duplexes, $730,525 for triplexes, and reaches $907,900 for four-unit residences.
Conventional loans, on the other hand, have a cap of $726,200 for single-family houses, and for two-unit houses, the limit is $929,850. It extends to $1,123,900 for three-unit residences, and for properties with four units, the maximum limit is $1,396,800.
Take advantage of our FHA calculator to access the most favorable FHA rates available today and to evaluate the prerequisites such as downpayment, income requirements, credit standing, reserves, and the necessary documentation for qualification.
The Lendersa® calculator facilitates a comprehensive comparison of FHA rates and terms against those from all other available loan programs. Investigate and measure up Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans next to FHA options.
Accessing an extensive database, Lendersa® rapidly gathers and juxtaposes loan program data from a multitude of lenders, aligning it efficiently with your distinct financial context and requirements.
Consult the Loan Limits Comparison Table for 2026 in Metropolis, located in Massac, IL. This resource allows comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Additionally, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate eligibility criteria, including income, reserves, and credit considerations.
| 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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