In 2026, the FHA loan limits for South-Beloit county of Winnebago, IL, are set at $356,362 for a single-family home, $456,275 for properties with 2-units, $551,500 for structures containing 3-units, and $685,400 for buildings with 4-units.
The highest permissible conventional loan amounts stand at $548,250 for a single-family residence. For two-unit homes, the cap is $702,000, for three-unit homes it reaches $848,500, and for four-unit properties, the limit is $1,054,500.
Make use of our FHA calculator to identify today's best FHA interest rates and determine the required down payment, income, credit standing, reserves, and documents needed for qualification.
With the Lendersa® calculator, you can juxtapose FHA rates and terms with those of other loan products, like conventional, jumbo, VA, USDA, non-QM, and hard money loans. Explore and critically evaluate these varied offerings.
Lendersa® collects extensive data from a multitude of lenders, delivering swift comparisons against your personalized financial circumstances and requirements.
The Loan Limits Comparison Table for 2026 in South-Beloit county of Winnebago, IL, provides insights into maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money options. For assessing qualification needs such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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