In the year 2026, the FHA loan limits for Riverside county, Cook, IL are as follows: $472,030 for a one-family residence, $604,400 for two-unit homes, $730,525 for residences with three units, and $907,900 for properties with four units.
Regarding conventional loans, the highest available loan for a single-family dwelling is $726,200, advancing to $929,850 for two-unit properties, $1,123,900 for those with three units, and $1,396,800 for four-unit homes.
Our FHA calculator allows you to view today’s prime FHA rates and ascertain the downpayment, income level, credit score, reserves, and required documentation to fulfill qualification criteria.
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The Lendersa® calculator is designed to let you examine FHA rates and terms alongside those of other loan options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Get all the details and make comparisons with FHA.
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2026 Loan Limits Comparison Table in Riverside, Cook, IL provides a detailed view of the maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Use Lendersa's Super Loan Integrated Qualifier (SLIQ™) to weigh qualification needs like income, reserves, and credit.
| 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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