In the year 2026, the FHA loan limit for the county of St. Clair in Millstadt, IL, is specified as follows: $472,030 for a single-family home, $604,400 for properties with 2 units, $730,525 for 3-unit homes, and $907,900 for those with 4 units.
Regarding conventional loans, the allowable highest amounts are $726,200 for a single-family dwelling. For 2-units, the limit is $929,850; for 3-units, it's $1,123,900; and for those with 4-units, it's $1,396,800.
Using our FHA calculator, you can investigate today's leading FHA rates and establish the essential requirements like downpayment, income, credit, reserves, and documentation necessary to qualify.
Lendersa® provides a calculator enabling the comparison of FHA rates and terms with those of other loan programs. Consider various options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® swiftly collects comprehensive loan program data from numerous lenders, matching it with your unique financial profile and requirements.
For 2026 in Millstadt county, St. Clair, IL, the Loan Limits Comparison Table assists in comparing maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification needs such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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