2025 FHA Loan Limits for Midlothian, Cook County, Illinois

In 2025, FHA loan limits in Midlothian county within Cook, IL, are set at $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit properties.

The maximum amount for conventional loans on a single-family house is $726,200, while for duplexes, it's $929,850, for triplexes $1,123,900, and for four-unit homes, $1,396,800.

Utilize our FHA calculator to see the current best FHA rates and understand the downpayment, income, credit, reserves, and paperwork necessary to qualify.

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Evaluate your loan choices in Midlothian, IL

The Lendersa® calculator empowers you to contrast FHA rates and terms with other available loan options. Explore and compare Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.

Lendersa® pulls in loan program data from thousands of lenders promptly and matches it to your individual financial profile and needs.

A Loan Limits Comparison Table for 2025 in Midlothian county of Cook, IL helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements like income, reserves, and credit.

Loan limits Midlothian county of Cook, IL

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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  • 120 East Walnut Street, Watseka, IL, 60970
  • At The First Trust and Savings Bank, we believe that banking is personal and relationships are valued. It is important to take the time to visit with you about the many issues that affect your finances and your future. Our objective is to match you with the product and service that is right for your needs, from checking.
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  • 440 Lake St., Antioch, IL, 60002
  • State Bank of The Lakes offers banking solutions tailored to our customers, their needs, and our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events and throw neighborhood cookouts.
  • The First National Bank of Ottawa
  • 701 LaSalle Street, Ottawa, IL, 61350
  • The First National Bank of Ottawa has marked over 150 years of innovation, bold initiative, and community leadership as an independent community bank. The following provides an overview of some historic highlights and insight into the traditions that have served us well, both as an integral partner in the development of our communities.
  • First Federal Savings Bank (Illinois)
  • 633 La Salle St, Suite 1, Ottawa, IL, 61350
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  • Prairie Community Bank was established on April 2, 1998 as a locally owned and independent bank. We opened as Prairie State Bank and on January 1, 2004 we changed the bank’s name to Prairie Community Bank, to better reflect our commitment and focus on our surrounding communities. Each day.
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  • 6501 Green Bay Road, Kenosha, WI, 53142
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  • Federated Bank
  • 107 North Chestnut, Onarga, IL, 60955
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  • MembersAlliance Credit Union
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  • Rock Valley Credit Union
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  • Rock Valley Credit Union is a full-service financial institution serving members since 1968. The credit union now serves approximately 13, 000 members. Our main office is located in Loves Park, IL with branch offices in Machesney Park and Rochelle. Rock Valley Credit Union currently serves