In 2026, the FHA loan limits for Shiloh county, which is part of St. Clair, IL, are set at $472,030 for individual family homes, $604,400 for two-unit homes, $730,525 for tri-unit buildings, and $907,900 for structures with four units.
The cap for conventional loans on a single-family home is $726,200, with a limit of $929,850 for homes with two units, $1,123,900 for three-unit residences, and $1,396,800 for those with four units.
Our FHA calculator is available for use to discover today’s most competitive FHA rates and identify the required downpayment, income, credit score, reserves, and necessary documents to qualify.
The Lendersa® calculator is designed to compare FHA rates and terms against every other loan program’s rates and conditions. Analyze both Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® pulls in loan program details from many lenders, swiftly assessing them against your financial profile and requirements.
Within 2026, our Loan Limits Comparison Table for Shiloh county of St. Clair, IL examines maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comparing eligibility requirements like 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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