As of 2026, the FHA loan limit in Rochester, county of Sangamon, IL is $472,030 for a single-family home. For homes with 2 units, the limit is $604,400, while it's $730,525 for 3-units and $907,900 for 4-units.
For conventional loans, the maximum amounts stand at $726,200 for single-family residences, increasing to $929,850 for two-unit homes, $1,123,900 for three units, and $1,396,800 for four-unit estates.
Utilize our FHA calculator to uncover today’s top FHA rates, and learn about the necessary downpayment, income, credit, reserves, and documentation needed to qualify.
The Lendersa® calculator facilitates a comparison of FHA rates and terms with other loan programs. Explore and evaluate, including options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Gathering data from thousands of lenders, Lendersa® swiftly aligns it with your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Rochester county of Sangamon, IL, displays maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Compare qualification criteria, such as income, reserves, and credit, 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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