For 2026, the FHA loan limits in Oak-Lawn, located in Cook, IL, are set as follows: $379,500 for a single-family dwelling, $485,800 for two-unit residences, $587,250 for homes with three units, and $729,800 for four-unit buildings.
For conventional loans, the maximum permitted loan amounts are $548,250 for a single-family home, $702,000 for properties with two units, $848,500 for three-unit residences, and $1,054,500 for those with four units.
To find the top FHA rates available today, utilize our FHA calculator, which helps determine essential factors such as the required downpayment, income, credit, reserves, and the documentation needed for qualification.
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The Lendersa® calculator is designed to allow in-depth comparison of FHA rates and terms with other loan programs. Consider the options across Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans in relation to FHA offerings.
Lendersa® aggregates loan program data from numerous lenders across the market, providing instant comparisons that align with your individual financial profile and requirements.
Examine the Loan Limits Comparison Table for 2026 in Oak-Lawn county, located in Cook, IL. This table compares the maximum loan amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For a more detailed analysis of qualification requirements like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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