In 2026, the FHA loan limits within Oak-Park county, part of Cook, IL, are designated as follows: $379,500 applies to a single-family home, $485,800 for homes with 2-units, $587,250 for 3-unit residences, and $729,800 for those with 4-units.
For conventional loans on a single-unit property, the maximum amount is $548,250. This extends to $702,000 for 2-unit homes, $848,500 for 3-units, and $1,054,500 for 4-unit properties.
Utilize our FHA calculator to uncover today’s optimal FHA rates. This tool assists you in calculating necessary downpayments and determining income, credit, reserves, and documents required for loan qualification.
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The Lendersa® calculator serves as an empowering resource, allowing you to juxtapose FHA rates and terms with those of other loan programs. Dive into evaluating options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans, in addition to FHA choices.
By collecting data from thousands of lenders, Lendersa® provides rapid comparisons adjusted to your unique financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 in Oak-Park county of Cook, IL. It allows comparison of maximum available loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For a complete analysis of qualification criteria, such as income, reserves, and credit requirements, utilize 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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