In 2026, FHA loan limits in Pontiac county, part of Livingston, IL, are as follows: $472,030 for a single-family home, $604,400 for two-unit residences, $730,525 for three-unit homes, and $907,900 for four-unit properties.
The maximum amounts for conventional loans are $726,200 for single-family homes, $929,850 for two-unit properties, $1,123,900 for three-unit residences, and $1,396,800 for four-unit houses.
Use our FHA calculator to discover today’s best FHA rates and determine the necessary downpayment, income, credit, reserves, and documents for qualifying.
The Lendersa® calculator is designed to help you compare FHA rates and terms with those of other loan programs. Explore and contrast options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® compiles data from thousands of lenders, offering rapid comparisons tailored to your financial profile and needs.
In 2026, the Loan Limits Comparison Table for Pontiac county of Livingston, IL provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria such as income, reserves, and credit, consider using 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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