For the year 2026, the FHA loan limits applicable in Palatine county of Cook, IL are as follows: for a single-family home, the cap is $472,030. If you are considering a property with two units, the limit is set at $604,400. For three-unit properties, the limit advances to $730,525, and for those with four units, it tops out at $907,900.
Regarding conventional loans, the highest allowable loan for single-family homes stands at $726,200. For properties accommodating two units, the maximum is $929,850, for three units it is $1,123,900, and for four-unit properties, the limit hits $1,396,800.
Feel free to make use of our FHA calculator, which not only provides the best FHA rates available today but also helps you figure out critical factors for qualification such as the necessary down payment, required income, credit score, reserve funds, and documentation.
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Review the Loan Limits Comparison Table for 2026 in Palatine county of Cook, IL, which highlights the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To navigate qualification requirements, including income, reserves, and credit criteria, utilize the 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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