In 2026, the FHA loan limits for Niles county, within Cook, IL, are set at $472,030 for a single-family home. For two-unit properties, the limit is $604,400, rising to $730,525 for three units, and reaching $907,900 for four units.
The highest amount available for conventional loans on a single-family residence is $726,200, increasing to $929,850 for 2-unit buildings, $1,123,900 for 3-unit homes, and $1,396,800 for 4-unit structures.
Utilize our FHA calculator to uncover today’s best FHA rates, helping you assess downpayment, income needs, credit requirements, reserves, and document prerequisites for qualification.
The Lendersa® calculator lets you evaluate FHA rates alongside other loan program terms. Delve into comparisons between Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans along with FHA options.
Sourcing extensive data from thousands of lenders, Lendersa® quickly aligns it with your specific financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Niles county, Cook, IL, provides a detailed overview of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For comprehensive insights into qualification criteria such as income, reserves, and credit, use 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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