For 2026, in Naperville county, DuPage, IL, the FHA loan limits are set at $472,030 for single-family homes, increasing to $604,400 for two-unit properties, $730,525 for three units, and $907,900 for four-unit dwellings.
Regarding conventional loans, the maximum on a single-family residence is $726,200. For homes with two units, the upper limit is $929,850, increases to $1,123,900 for three units, and goes up to $1,396,800 for four units.
Utilize our FHA calculator to discover today's best FHA rates, and calculate the requisite downpayment, income, credit rating, reserves, and documents needed to qualify.
The Lendersa® calculator helps you juxtapose FHA rates and terms against those of various loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Delve into these options to find the right fit.
Leveraging data from thousands of lenders, Lendersa® swiftly aligns options with your specific financial profile and needs, ensuring the best tailor-made solutions for your situation.
In 2026, the Loan Limits Comparison Table for Naperville, DuPage, IL, compares the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Evaluate qualification elements like income, reserves, and credit with 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 | $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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