For 2026, the FHA loan limits in Oak-Forest county of Cook, IL, are as follows: $379,500 for a single-family home, with limits escalating to $485,800 for 2-units, $587,250 for 3-units, and peaking at $729,800 for properties with 4-units.
The maximum loan amounts for conventional loans on a single-family residence are $548,250, extending to $702,000 for 2-units, $848,500 for 3-units, and reaching $1,054,500 for 4-unit buildings.
Use our FHA calculator to access today's leading FHA rates, allowing you to determine downpayment, income level, credit scores, reserves, and necessary documentation for qualification.
The Lendersa® calculator facilitates a comprehensive comparison of FHA rates and terms with those of other loan programs. You can delve into options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® collects exhaustive loan program data from a vast number of lenders, swiftly aligning it with your financial profile and specific needs.
Check out the Loan Limits Comparison Table for 2026 in Oak-Forest county, Cook, IL, showcasing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification standards such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $379,500 | $485,800 | $587,250 | $729,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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