In 2026, the FHA loan limit in Smithton, St. Clair, IL, is $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
Maximum conventional loan amounts are $726,200 for a single-family home, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Our FHA calculator shows today's best FHA rates and helps determine necessary requirements like downpayment, income, credit score, reserves, and documents to qualify.
The Lendersa® calculator allows you to compare FHA loan rates and terms with those of other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly compares data from thousands of lenders against your unique needs and financial profile.
For 2026, the Loan Limits Comparison Table in Smithton, St. Clair, IL, outlines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review 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 | $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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