During 2026, the FHA loan limits in South-Barrington, located in Cook, IL, range from $379,500 for a single-family home to $485,800 for two-unit structures. Three-unit buildings have a cap of $587,250, while four-unit properties can go up to $729,800.
For conventional loans, the maximum amount for a single-family residence is pegged at $548,250. For homes with two units, the limit moves to $702,000, increasing to $848,500 for three-unit properties, and $1,054,500 for those with four units.
Utilize our FHA calculator to ascertain today's optimal FHA rates. This tool will aid in determining necessary downpayments, assessing income and credit requirements, evaluating reserves, and identifying needed documents for qualification.
Explore a variety of loan offers from 100 different lenders, helping you make an informed choice.
The Lendersa® calculator offers the ability to compare FHA rates and terms with other loan programs. Delve into options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Powered by data sourced from thousands of lenders, Lendersa® quickly aligns alternatives with your financial profile and needs, providing a comprehensive comparison.
The Loan Limits Comparison Table for 2026 in South-Barrington, Cook, IL allows you to contrast among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For full qualification criteria like income, reserves, and credit, refer to the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $379,500 | $485,800 | $587,250 | $729,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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