For 2026 in Shelbyville, within Shelby, IL, the FHA loan limits are: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximum for a single-family residence is $726,200. This extends to $929,850 for two-unit homes, $1,123,900 for three-unit buildings, and $1,396,800 for four-unit properties.
Our FHA calculator assists in finding today’s top FHA rates and helps determine downpayment, income, credit score, reserves, and necessary documents for qualification.
Explore a broad range of loan offers from 100 lenders to find options that suit your needs.
Utilizing the Lendersa® calculator, you can compare FHA rates and terms against other loan options. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA deals.
Sourcing data from thousands of lenders, Lendersa® swiftly provides a comparison tailored to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 within Shelbyville, Shelby, IL, allows for a comprehensive view of maximum amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed qualification factors like income, reserves, and credit, 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 | $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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