In 2026, the FHA loan limits set for O'Fallon county in St. Clair, IL, are as follows: $356,362 for a single-family home, $456,275 for properties with 2-units, $551,500 for 3-units, and $685,400 for 4-units.
For conventional loans on a single-family residence, the top amount is $548,250. This extends to $702,000 for two-unit residences, increasing to $848,500 for three units, and reaches $1,054,500 for four-unit homes.
Utilize our FHA calculator to check today’s prime FHA rates and to evaluate the necessary downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those from a variety of loan programs. You can explore options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans alongside FHA.
Lendersa® quickly gathers loan data from thousands of lenders and matches it to your financial profile for a personalized comparison.
The Loan Limits Comparison Table for 2026 in O'Fallon county, St. Clair, IL, outlines maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To see qualification requirements for income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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