In 2026, the FHA loan limits in Prospect-Heights county, Cook, IL, for single-family homes are $379,500, for 2-units, $485,800, for 3-units, $587,250, and for 4-units, $729,800 applies.
Conventional loans reach maximums of $548,250 for a single-family residence. For 2-units, the limit is $702,000, for 3-units, it's $848,500, and for 4-units, $1,054,500 is the cap.
Use our FHA calculator to view today’s best FHA rates, assessing needed downpayment, income, credit, reserves, and qualification documents.
The Lendersa® calculator allows comparison of FHA rates and terms with those from other loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® rapidly acquires loan data from thousands of lenders, promptly aligning it with your financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Prospect-Heights, Cook, IL, presents maximum amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money types. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for qualification needs regarding income, reserves, and credit.
| 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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