For the year 2026, the FHA loan limit in Northfield, part of Cook in IL, is set at $472,030 for a single-family home. For properties with two units, the limit is $604,400, $730,525 for three-unit homes, and $907,900 for four units.
The maximum conventional loan on a single-home residence stands at $726,200. For two-unit structures, it is $929,850, while three units are capped at $1,123,900, and the four-unit limit reaches $1,396,800.
Use our FHA calculator to discover today’s best FHA rates and determine necessary details such as downpayment, income, credit, reserves, and required documents to qualify.
The Lendersa® calculator allows a comprehensive comparison of FHA rates and terms against all other loan types, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Drawing on data from thousands of lenders, Lendersa® provides a rapid comparison that aligns with your financial profile and personal needs.
Refer to the Loan Limits Comparison Table for 2026 in Northfield, Cook, IL for maximum loan amounts. This includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification aspects like income, reserves, and credit, consult 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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