In 2026, 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.
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 2026 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.
| 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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