For 2026, the FHA loan cap in South-Chicago-Heights county of Cook, IL amounts to $379,500 for single-family homes, $485,800 for 2-unit dwellings, $587,250 for 3-units, and $729,800 for properties with 4-units.
Conventional loan maximums for a single-family residence are $548,250, with $702,000 applying to 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
To explore today’s top FHA rates and determine downpayment, income, credit, and reserve needs for qualification, use our FHA calculator.
The Lendersa® calculator helps you evaluate FHA rates and terms against all other loan programs. Consider and compare with various loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® collects and contrasts loan program data from thousands of lenders, quickly assessing it with your unique financial circumstances and needs.
The Loan Limits Comparison Table for 2026 in South-Chicago-Heights county, Cook, IL details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To see qualification needs like income, reserves, and credit standards, utilize 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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